Present Value and QDRO Services

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Present Value Services and QDRO Services

At Hildi Incorporated, our actuaries can help you and your clients through all the technical and mathematical issues of dividing a pension and other benefits upon marital dissolution.

Present Value Services

At Hildi Incorporated, the actuaries can help in the following areas:

Traditional actuarial present value reports
Expert testimony
Guidance on choosing offsetting assets vs. a QDRO
Present value of Joint and Survivor Benefits
Present value of Retiree Health Care Benefits
Review of opposing counsel’s present values

Fee Schedule for Actuarial Present Value Services
Prepayment is usually required before any present value calculations can be prepared.

Traditional Present Value Report = $280

This present value measures the age 65 normal retirement benefit. This is usually the age at which benefits are not reduced or subsidized. This value should answer the question, “What is the value of this pension today?” The items that must be provided for this calculation are the Plan SPD, accrued age 65 normal retirement benefit on the applicable valuation date, and other demographic information such as birth date, date of marriage etc.
Government Plans may require an additional $50 charge. Governmental calculations usually involve some additional work due to features such as a Post Retirement Cost of Living Increase.
If benefit amounts for early retirement ages are included with the data, we will include up to one early retirement age present value at no additional charge.

Additional Present Values = approximately $50 to $250 in additional fees per benefit plan added to the base Traditional Present Value Report fee.

This package of present values can include two or three different retirement ages and death benefit information. Present values only shown at the normal retirement age (age 65) can be misleading and not tell the entire story on what a pension’s value might be. Many times there are “early retirement subsidies” in a pension which should be valued for a participant or the non-participant spouse. These calculations should be tailored to what the specific plan provisions provide in benefits. The same type of data is needed for these calculations as in the “traditional” present value.

These rates are subject to change and should be discussed before any work is initiated.

QDRO Services

At Hildi Incorporated, the actuaries can help in the following areas:

Technical Pension Plan review of a proposed QDRO
Review of opposing counsel’s draft QDROs
Technical Pension Plan review of a proposed Governmental DRO
QDRO strategies (separate vs. shared interest)
Expert testimony
Audit of old QDRO files to look for upcoming problems

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