Worked example ยท composite, anonymised
Grey divorce with a pension in payment: Florida
Linda (63, retired nurse with a defined benefit pension in payment) and Ron (66, retired, Social Security and a 401(k)), married 31 years.
The route
Uncontested dissolution with a marital settlement agreement prepared through FairWell, a QDRO specialist for the pension, and a certified divorce financial analyst to model two retirements.
Property
The marital portion of Linda's pension was divided by QDRO as a share of each monthly payment, with survivor benefits preserved for Ron. Ron's 401(k) was split by QDRO. The home was sold and the proceeds divided equally.
Support
Under Florida's 2023 alimony framework the length of marriage supported durational alimony; the retirement projection showed both could live on their divided pensions and Social Security, and they agreed a modest amount for three years rather than a long-term obligation.
Health
Ron was on Medicare. Linda, at 63, lost coverage under Ron's retiree plan and priced a marketplace plan until 65; the cost was reflected in the alimony amount.
Cost and time
$999 package, two QDROs at $750 each, $1,800 for the financial analysis, attorney review. Under $6,000 total. Decree entered six weeks after filing.
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