Using the “Marital Coverture” Approach
Most QDROs for defined benefit plans like this one use a formula-based method, typically the coverture method. This formula awards the Alternate Payee a share that reflects the portion of the pension earned during the marriage.
A standard formula might read like this:
“One-half of the marital portion, defined as the ratio of months married while the Participant was earning credited service under the Plan to total months of credited service.”
This language is essential to avoid disputes down the road.

