Ask The Experts: Retirement

By Reg Jones

Retirement and divorce

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Q: I am a letter carrier with the Postal Service and am under CSRS. In 2006 I received a divorce and as part of the settlement my ex-wife will receive a portion of my retirement. I became eligible to retire at the end of 2008 when I reached 55 years of age. However, for financial reasons I cannot afford to retire at this time. Can my ex receive her share of my retirement now even though I continue to work and am not retired?

A: As a rule, we’re not qualified to answer questions about divorce; however, I can tell you that your ex-wife won’t be eligible for a portion of your retirement annuity until you retire.

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  1. Len Nassi, CFP (R), CDFA (TM) Says:
    November 16th, 2010 at 9:55 am

    You should check with the retirement plan documents and or the plan administer as to the earliest age your wife, as the alternate payee, can take her benefits. That is the definitive way to know.