Monday, April 3, 2017

Divorce, Pensions, and DRO's

Quick Note for NYCERS Members:

If you are getting divorced and your pension is being divided up, be very careful about how your DRO is worded.

For example,

  • you have 15 years of service at the point you are getting divorced,
  • you have a three year average income of $50,000
  • you are age 45, and
  • you plan to work until you are 62
At age 62, if you stay in city service, you will have 32 years of service and your three year average income may very well be $100,000.

Your vested benefit at age 45 is 1.67% * 15 * $50,000 = $12,300.

Your retirement benefit at age 62 is [((2% * 30) + (1.5% * 2)) * $100,000] = $63,000

If your DRO only specifies that your former spouse is to receive 25% of your pension when you retire, then your former spouse will receive 25% of $63,000, and not $12,300.

In contrast, if you had left city service on the day you were divorced, your former spouse would receive only 25% of $12,300.

You should be aware of how this will play out if you continue to stay in city service.

If your DRO only specifies an open ended percentage, your former spouse will be gaining increasing benefit from your employment after the divorce.

30 comments:

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Unknown said...

I am miss Susan from Califonia USA, I promise to share this testimony all over the world once my boyfriend return back to me, and today with all due respect i want to thank DR.ADAGBA for bringing joy and happiness to my relationship and my family. I want to inform you all that there is a spell caster that is real and genuine. I never believed in any of these things until i loosed my boyfriend, I required help until i found adagbaspiritualtemple@gmail.com a grate spell caster, And he cast a love spell for me, and he assured me that I will get my boyfriend back in two days after the spell has been cast. two days later, my phone rang, and so shockingly, it was my boyfriend who has not called me for past 10 years now, and made an apology for the heart break, and told me that he is ready to be my back bone till the rest of his life with me. DR.ADAGBA released him up to know how much i loved and wanted him. And opened his eyes to picture how much we have we have share together. As I’m writing this testimony right now I’m the most happiest girl on earth and me and my fiance is living a happy life and our love is now stronger than how it were even before our break up. So that’s why I promised to share my testimony all over the universe.All thanks goes to DR.ADAGBA for the excessive work that he has done for me. Below is the email address in situation you are undergoing a heart break, and I assure you that as she has done mine for me, she will definitely help you too. adagbaspiritualtemple@gmail.com . call or whatsapp him now via: +2349057354407

Unknown said...

All thanks to this great man called Dr Agbazara the great spell caster that bring back the joy in me by helping me to bring back my lover who break up with me Four months ago but now with me with the help of Dr Agbazara the great love spell caster. All thanks goes to him you can also contact him for help if you need him in times oof troubles via: ( agbazara@gmail.com ) you can also Whatsapp on this Number +2348104102662

anonimous said...

I had doubts about magic spells after purchasing many spells that never worked I actually decided to never buy a spell again. I have tried different spell casters..Some of them never answered me after I paid and were obvious scammers, some really cast a spell but for some reason it didn't work. Then I saw a video on you-tube with a person who was mentioning she had results with prophet ogidiga . Despite the suspicions I had his site looked real so I gave spells a last try. It's probably the best decision I ever made in my life because it worked and my boyfriend came back with me After I broke up with him I spent a lot of time wishing that I could just turn the clock backwards.He helped me do just that. In fact our relationship feels like the break up never even happened. We have never been this happy or passionate, all thanks to prophet ogidiga. If you're looking for a good spell caster look no further,you can contact him asap on miraclecenter110@gmail.com or call/whatsapp at +2348182260982

Retired said...

Hello John. I just retired and received first pension check from nycers. I have a QDRO but
Nycers don’t have a copy. Can they take arrears for my espouses portion. Should I send them a copy court signed in 2007
Right away or wait a while.

ODUCKAYAMUD said...

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ODUCKAYAMUD said...


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ODUCKAYAMUD said...



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ODUCKAYAMUD said...



HOW I GET MY HERPES CURED WITHIN 8 DAYS

I want every herpes patient to please read my testimony, my name is FLORA RUFER am from California in USA, I contacted genital herpes from my ex boyfriend who never

had any symptoms. I have had it for 4 months now., and it has affected my life. I have told my boyfriends who I trusted about it and I have never had a bad reaction,

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and I explain things to him he told me not to worry that I should fill his herbal form wish I did and he only request for little money that he will use to buy the

items for the preparation of the herbal medicine, wish I send to him because the pain was too much for me to bear and after some days he told me that he has prepare

the herbal medicine, that I should send him my address that he want to sent it to me via DHL or FED-EX that was how I got the herbal medication and I use it as I was

told and after few days I found out that my herpes was no more and when some of my friend who has herpes saw me they were surprise and I also introduce them to the man

and they are also cure from the same herpes and if you have herpes, kindly contact DR ODUCK AYAMUD via this email:oduckayamud49@yahoo.com OR oduckayamud49@gmail.com

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ODUCKAYAMUD said...


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ODUCKAYAMUD said...




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ODUCKAYAMUD said...



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ODUCKAYAMUD said...


My Name is KPELELIO.I will love to share my testimony to all the people in the forum cos i never thought i will have my girlfriend back and she means so much to

me..The girl i want to get marry to left me 4 weeks to our wedding for another man..,When i called her she never picked my calls,She deleted me on her facebook and she

changed her facebook status from married to Single...when i went to her to her place of work she told her boss she never want to see me..I lost my job as a result of

this cos i cant get myself anymore,my life was upside down and everything did not go smooth with my life...I tried all i could do to have her back to all did not work

out until i met a Man when i Travel to Africa to execute some business have been developing some years back..I told him my problem and all have passed through in

getting her back and how i lost my job...he told me he gonna help me...i don't believe that in the first place.but he swore he will help me out and he told me the

reason why my girlfriend left me and also told me some hidden secrets.i was amazed when i heard that from him..he said he will cast a spell for me and i will see the

results in the next couple of days..then i travel back to US the following day and i called him when i got home and he said he's busy casting those spells and he has

bought all the materials needed for the spells,he said am gonna see positive results in the next 2 days that is Thursday...My girlfriend called me at exactly 12:35pm

on Thursday and apologies for all she had done ..she said,she never knew what she's doing and her sudden behavior was not intentional and she promised not to do that

again.it was like am dreaming when i heard that from her and when we ended the call,i called the man and told him my wife called and he said i haven't seen anything

yet... he said i will also get my job back in 3 days time..and when its Sunday,they called me at my place of work that i should resume working on Monday and they gonna

compensate me for the time limit have spent at home without working..My life is back into shape,i have my girlfriend back and we are happily married now with kids and

i have my job back too.This man is really powerful..if we have up to 20 people like him in the world,the world would have been a better place..he has also helped many

of my friends to solve many problems and they are all happy now..Am posting this to the forum for anybody that is interested in meeting the man for help.you can mail

him to oduckayamud49@yahoo.com I cant give out his number cos he told me he don't want to be disturbed by many people across the world..he said his email is okay and

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ODUCKAYAMUD said...

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seemed like any time I moved up in the company and received a RISE/PROMOTION, my living expenses would go up significantly and I was never able to get ahead... Then

one day my best friend told me the truth about what he did when his wife left him. He had a love spell cast on her and she stopped the divorce proceedings and they got

back together. When he told me this I asked who he used and he gave me the email address which is: oduckayamud49@yahoo.com OR oduckayamud49@gmail.com .... YOU CAN

USE ANY OF THE EMAILS TO CONTACT HIM and I immediately contacted him for help. I saw that they offered different kinds of money spells to help win the lottery. I was

immediately intrigued. I have always felt like I was going to win the lottery someday. I had the jackpot lottery spell cast and awaited my win. I was told to play the

lottery each week and I did what I was told. I played the lottery each week anyways, so it did not change anything. Within about two weeks it happened. I won

$1000,000.00!! I could not believe it! It was more than enough money to retire right away, but I invested it well and it has allowed me to go down to part time work

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Karen Greg said...

I'm Karem really happy that I have been cured of (HERPES SIMPLEX VIRUS 2) with the herbal medicine of DR. AKHIGBE HERBAL CENTER, I have been suffering from this disease for the past four years without solution until i came across this email (drrealakhigbe@gmail.com) on the internet of a herbal doctor who have cure so many people of herpes virus with his herbal medicine, I also choose to give him a chance to help me, he told me what to do and i kindly did it, and he sent me his herbal medicine through Dhl courier services delivery and direct me on how to use it, I also follows his instruction for use and he ask me to go for a check up after three weeks and which i did, to my greatest surprise my result came out as negative, I am really happy that there is someone like this DR. AKHIGBE HERBAL CENTER who is ready to help people anytime any day. to all the readers and viewers that is doubting this testimony stop doubting it and contact this DR. AKHIGBE HERBAL CENTER and see if he will not actually help you. I am not a stupid person that I will come out to the public and start saying what someone have not done for me. he is really a great man contact him now. with this email: (drrealakhigbe@gmail.com) or you can contact him +2348142454860

Unknown said...

Hey, I'm so excited my broken Marriage has been restored & my husband is back after he left me and our 2 kids for another woman. After 8 years of marriage, me and my husband has been into one quarrel or the other until he finally left me and moved to California to be with another woman. i felt my life was over and my kids thought they would never see their father again. i tried to be strong just for the kids but i could not control the pains that torments my heart, my heart was filled with sorrows and pains because i was really in love with my husband. Every day and night i think of him and always wish he would come back to me, I was really upset and i needed help, so i searched for help online and I came across a website that suggested that Dr Isikolo can help get ex back fast. So, I felt I should give him a try. I contacted him and he told me what to do and i did it then he did a (Love spell) for me. 48 hours later, my husband really called me and told me that he miss me and the kids so much, So Amazing!! So that was how he came back that same day, with lots of love and joy,and he apologized for his mistake,and for the pain he caused me and the kids. Then from that day,our Marriage was now stronger than how it were before,All thanks to Dr Isikolo. he is so powerful and i decided to share my story on the internet that Dr Isikolo real and powerful spell caster who i will always pray to live long to help his children in the time of trouble, if you are here and you need your Ex back or your husband moved to another woman, do not cry anymore, contact this powerful spell caster now. Here’s his contact: Email him at: isikolosolutionhome@gmail.com You can also Whatsapp him on +2348133261196

Johmson said...

This is certainly a shocking and a genuine Testimony..I visited a forum here on the Internet on the 23th of April 2018 , And i saw a marvelous testimony of this powerful and great spell caster called Dr Oseiboh on the forum..I never believed it, because i never heard nor learn anything about spell nor magic before.. Not a soul would have been able to influence me about black magical spells, not until Dr Oseiboh did it for me and restored my marriage of 6 years back to me and brought my spouse back to me just as i read on the Internet..i was truly astonished and shocked when my husband knelt down begging for forgiveness and for me to accept him back.. I am really short of expressions, and i don't know how much to convey my appreciation to you Dr Oseiboh you are a God sent to me and my entire family.. And now i am a joyful woman once again thanks for your good work and for restoring happiness to my home..LOVE SPELL,LOTTERY,PREGNANCY SPELL, DIVORCE SPELL,ANY FOUNDATION COURSES,REVENGE SPELL,STOP COURT CASE AND WIN ANY COURT PROBLEM,DEATH SPELL,BUSINESS SPELL AND MANY MORE YOU MAY NEED. Email him now for your own help. via email droseiboh12@gmail.com add him on whatsapp line or call +2347017565415.

Anonymous said...

After being in relationship with him for seven years, he broke up with me. I did everything possible to bring him back but all was in vain. I wanted him back so much because of the love I have for him and I begged him with everything, I made promises but he refused. I explained my problem to someone online and she suggested that I should rather contact a spell caster DR ILEKHOJIE that could help me cast a spell to bring him back but I am the type that never believed in spell, I had no choice than to try it. I mailed the spell caster and he told me there was no problem that everything will be okay before two days that my ex will return to me before three days, he cast the spell and surprisingly in the second day, it was around 4pm. My ex called me and I was so surprised so I answered the call and all he said was that he was so sorry for everything that happened that he wanted me to return to him that he loves me so much. I was so happy and went to him, that was how we started living together happily again. Since then, I have made promise that anybody I know that have a relationship problem, I would be of help to such person by referring him or her to the only real and powerful spell caster who helped me with my own problem and who is different from all the fake ones out there. Anybody could need the help of the spell caster, his email: gethelp05@gmail.com or his WhatsApp/Viber him on: +2348147400259

Anonymous said...

I was hurt and heart broken when a very big problem occurred in my marriage seven months ago, between me and my husband. so terrible that he took the case to court for a divorce. he said that he never wanted to stay with me again,and that he didn't love me anymore. So he packed out of the house and made me and my children passed through severe pain. I tried all my possible means to get him back,after much begging,but all to no avail.and he confirmed it that he has made his decision,and he never wanted to see me again. So on one evening,as i was coming back from work,i met an old friend of mine who asked of my husband .So i explained every thing to him,so he told me that the only way i can get my husband back,is to visit a spell caster,because it has really worked for him too. So i never believed in spell,but i had no other choice,than to follow his advice. Then he gave me the Email address of the spell caster whom he visited. drajayi1990@gmail.com. So the next morning,i sent a mail to the address he gave to me,and the spell caster assured me that i will get my husband back the next day. What an amazing statement!! I never believed,so he spoke with me, and told me everything that i need to do. Then the next morning, So surprisingly,my husband who didn't call me for the past 7 months, gave me a call to inform me that he was coming back. So Amazing!! So that washow he came back that same day,with lots of love and joy,and he apologized for his mistake,and for the pain he caused me and my children. Then from that day,our relationship was now stronger than how it were before,by the help of a spell caster. So, i will advice you out there if you have any kind of problem, Please i will advice you to contact DR AJAYI, i give you 100% guarantee that he will help you solve your problems.. Email him at: drajayi1990@gmail.com OR Whatsapp : +16318578318

Suntran Matthew said...

i want to inform the public how i was cured of HERPES Simplex Virus by a Doctor called Dr.EBHOTA. i visited different hospital but they gave me list of drugs like Famvir, Zovirax, and Valtrex which is very expensive to treat the symptoms and never cured me. I was browsing through the Internet searching for remedy on HERPES and i saw comment of people talking about how Doctor EBHOTA cured them. I Was scared because i never believed in the Internet but i was convince to give him a try because i was having no hope of been cured of HERPES so i decided to contact him on his email, i searched his email on net and i saw a lot of people testifying about his goodness. when i contacted him he gave me hope and send a Herbal medicine to me that i took and it seriously worked for me, am a free person now without problem, my HERPES result came out negative. You can contact him on
his Email: drebhotasolution@gmail.com or whatsapp him on +2348089535482 and get all your problem solved.
1Sickness of any kind
2 Help to CURE Hepatitis B, HIV/AIDs CANCER and BIPOLAR
3 Divorce, Breakup problem and To Re-unit
4 Pregnancy problem
5 Financial problem and Job promotion
6 To get a good and rich life partner
7 To Lose your wath
8 to enlargement of pennis
9. CANCER
10. ALS (Lou Gehrig's disease)
11 Hepatitis B
12 chronic pancreatic
13 emphysema
14 COPD (chronic obstructive pulmonary disease)   

Engel angel said...

I have been suffering from Herpes for the past 3 years and 8 months, and ever since then i have been taking series of treatment but there was no improvement until i came across testimonies of Dr Osasu on how he has been curing different people from different diseases all over the world, then i contacted him as well. After our conversation he sent me the medicine which i took according to his instructions. When i was done taking the herbal medicine i went for a medical checkup and to my greatest surprise i was cured from Herpes. My heart is so filled with joy. If you are suffering from Herpes or any other disease you can contact Dr Osasu today on this Email address: drosasu25@gmail.com or WhatsApp him on this Tell.Number +2347064365391
….
Dr.Osasu also cures:
1. HIV / AIDS
2. HERPES 1/2
3. CANCER
4. ALS (Lou Gehrig’s disease)
5. Hepatitis B

RoselineCharlotte said...

Its a pleasure for me to write this testimony about how i got my Genital Herpes cured a month ago. i have been reading so many comments of some people who were cured from various diseases by Dr. Lucky’s herbal prduct, but i never believed them. I was hurt and depressed so I was too curious and wanted to try Dr. Lucky’s , then i contacted his company email when i contacted the company office, They assured me 100% that the herbal Product will heal me, i pleaded with them to help me out. My treatment was a great success, The Cell Food Product healed me just as they promised. They sent me his medication and ask me to go for check up after one weeks of taking Dr Lucky's herbal medication. i agreed with them i took this medication and went for check up , to my greatest surprise my result was negative after the treatment, i am really happy that i am cured and healthy again. I have waited for 3weeks to be very sure i was completely healed before writing this testimony. I did another blood test one week ago and it was still Herpes negative. so i guess its time i recommend anyone going through Herpes HSV-1 or HSV-2, HIV, HPV, Hepatitis B, Diabetes, Cancer reach him through Email drluckyherbalclinic2@gmail.com add on whatsapp +22378760009 you can order products directly from his Email

maammunilah said...

I want to share a testimony of how Dr LATIFAH herbal mixture cream saves me from shame and disgrace, my penis was a big problem to me as the size was really so embarrassing, and i was also having weak erection problem. I can't make love to my wife and my penis was just too small a full grown man like me having 4 inches penis and to worsen it i don't last in sex i cant even last two minutes it was really a thing of shame to me. My wife was really tired of me because my sex life was very poor, she never enjoyed sex, i was always thinking and searching for solutions everywhere until when i saw a testimony of how Dr.latifah herbal mixture cream have been helping people regarding their sex life, so i decided to give him a try and to my greatest surprise in less than one week of taking the herbs my penis grow to 8 inches i couldn ' t believe my eyes and as i speak now my penis is now 8 inches and i do not have week erection again. I can make love to my wife longer in bed. And my marriage is now stable, my wife now enjoy me very well in bed. can contact maamtifah@gmail.com or call or what-apps him through +27785167256. . .he also specialize on the following things

BREAST ENLARGEMENT
BREAST LIFT & REDUCTION
PENILE / PENIS ENLARGEMENT
GENERAL BODY SLIMMING
HIPS & THIGH REDUCTION
REGAIN VIRGINITY BACK
Thanks for the Enlarging my penis sir, you indeed save my marriage ... I am really grateful

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anna lucas said...

Hello viewer’s
I don’t have much to say there are so may scammers going on online so we cant detect the real herbal medicine doctors. Thank GOD for leading me, please don’t ignore this post is real Dr Emmanuel, is a real herbal Doctor, he cured me from Herpes virus, i am living so happy and free , i was fully recovered within 4 weeks of usage of dr Emmanuel herbal medicine ,please viewers out there that have any deadly disease don't fail to contact him via his email; nativehealthclinic@gmail.com or WhatsApp/Call: +2348140073965  thanks once again to dr Emmanuel GOD bless you abundantly  
he also cured HIV/AIDS,CANCER,GENITAL WART,COPD,BRAIN TUMOR

Tom Grant said...

Is any one here suffering from any kind of STD or STI ? , Now this is to everyone out there with different health challenges, as I know there are still a lot of people suffering from different health issues and are therefore looking for solution. I bring you Good news. There is a man called Dr. Tokubo a herbal practitioner who helped cure me from Genital herpes, this i had suffered from for the past 2years and have spent so much money trying to survive from it. I got my healing by taking the herbal medicine he sent to me to drink for about 9days . 3days after completion of the dosage, I went for a medical checkup and I was tested Genital Herpes NEGATIVE. I'm sharing this so that other people can know of this great healer called Dr Tokubo because I got to know him through a friend he cured from HIV. I was made to understand that he can cure several other deadly diseases and infections. Don't die in ignorance and don't let that illness take your life. Contact Dr. Tokubo through: drtokubotemple@gmail.com You can also call/whatsapp him on:+2349037990322 Thank you dr tokubo. Be kind enough to share your testimonies as you received your cure.he is good too to cure all type of disease and virus.1 HIV cure
2 cancer
3 diabetes
4 hepatitis
5 herpes
6 HIV.
You can contact him if you are having any disease or infection problem...

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Tineka Howell said...

My husband and I have been married for over 10 years. We met when I was 18 and he was 21. We’ve been through a lot emotionally together. There were several HUGE fights and painful situations in our marriage, but we always seemed to come out stronger on the other side. Out of the blue my husband just sprung the divorce talk on me, I was totally depressed until I found Dr.Todd website online and I ordered for a Love spell. You won’t believe my husband called me at the exact time this spell caster finished his spell work in 48hrs. I was totally amazed! He is wonderful and his spells work so fast. His Email: manifestspellcast@ gmail. com manifestspellcast.wordpress.com
WhatsApp:+1 604 901 9747

MONICA MORRISON said...




My name is MONICA MORRISON FROM USA, I head that my husband was having an affair with one of my closest friend and I was very upset and worried so a friend of my advice me and told me if I still love my ex and if I really want to have him back so I told her yes, and she ask me to contact Dr.kabaka the spell caster and I did although I never believe on spell so he gave me something when he was casting the spell and ask me to say my wishes on it and after the casting of the spell a receive a phone call from my ex and was ask me at which I did and now we are back together again I’m so happy and I wish not to ever have this mistake again in my life. I will also advice anyone with this kind of issue to contact him for help he is really nice on phone and always there to answer you question giving you the good advice that you need. his email is drkabakaspiritualtemple@gmail.com
Call or WhatsApp him.
+2349015857861

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