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Is it always necessary to elect post-retirement survivor benefits for an Alternate Payee?

No. Most plans will allow the use of a separate interest approach to dividing the benefits. Using this type of QDRO, the Alternate Payee’s share of the benefits are actuarially adjusted and therefore, payable for the lifetime of the Alternate Payee. In such a case, the death of the Participant after benefits have commenced will not affect payment to the Alternate Payee.