1. Employee and Employer Contributions
A QDRO can divide only the vested portion of the plan. While employee contributions are always 100% vested, employer contributions may be subject to a vesting schedule. This means that only the portion your ex-spouse has earned the right to keep as of the cut-off date (usually the date of separation or divorce) can be divided.
It’s important to confirm whether Blockskye Inc. uses a cliff or graded vesting schedule, especially since some employer contributions may not be available for division if they are not yet vested. Any unvested balance is typically forfeited unless specifically addressed during final division.

