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RetirementApplicationPPublic Employees’Retirement System (PERS)W A S H I N G T O N S TAT EDepartment of Retirement Systems
Washington State Department of Retirement SystemsCongratulations on your decisionto retire from PERS Plan 2 or 3!You’ve worked hard, and it’s time you beganreaping the rewards. And we are here to help.To get started, we need more information so wecan process your retirement request and beginsending your monthly benefit to you.PERS Plan 2 or 3 applicationDRS administers the Public Employees’Retirement System. DRS maintains your definedbenefit component. If you are in Plan 3, VoyaFinancial maintains your defined contributionaccount. This booklet contains your definedbenefit retirement application.Moving from working life to retired life is a majortransition. To assist you, we offer informative, freeretirement planning seminars.We want to make this transition as seamless andeasy as possible for you. If you have any questions,contact us.In a seminar, you will receive an overview of yourstate pension plan, Social Security, VoluntaryEmployees’ Beneficiary Association (VEBA),Statewide Health Insurance Benefits Advisors(SHIBA), Public Employees Benefits Board (PEBB)and the Washington State Deferred CompensationProgram (DCP).Sincerely,Your Retirement Services TeamVisit drs.wa.gov/life/retire for links to your planguide, to watch a webinar or to sign up for a liveseminar.Contact DRSLog inCalldrs.wa.gov/oaaFor fast, secure service, log into your DRS onlineaccount and use the personalized Contact Us tool.800.547.6657Local: 360.664.7000 TTY: 711Visit drs.wa.gov/contact for more ways to contact us.1
Washington State Department of Retirement SystemsWhat do I need to know before Istart working on my application?Send it inPlease return yourcompleted, signed andnotarized applicationto us in the enclosedenvelope 30 to 90 days beforeyour retirement date, and we’lltake care of the rest.Here are some items to consider before youbegin your application: The Estimate of Benefits we’veincluded with this application hasvaluable information. Reviewing it willhelp you choose a benefit option onpage 5. If the benefit option you choose is aSurvivor Option (Options 2, 3 and 4),you must send us a proof-of-agedocument for the survivor you’venamed. A list of the documents weaccept appears in the Proof of Agesection on page 5. Pleasesubmit copies with yourGlossaryapplication. Originals aren’tTermsrequired.highlighted The Authorization forin grayDirect Deposit section ison page 8. A representativebold printfrom your financialappear ininstitution canthe glossaryhelp you completeon page 14.this form if you’reunsure about what numbers to use. Mostrepresentatives can also provide a notaryfor your and your spouse’s or registereddomestic partner’s signatures. The IRS Tax Withholding section onpage 8 is required for federal taxwithholding. You might want to consultwith a tax advisor before completing thatsection. An overview of general retirementinformation starts on page 11, and aglossary of terms is on page 14.What can I expect from DRS?After we receive your application, we will sendyou a confirmation letter.We will calculate your initial benefit amount inthe month you retire and send you an awardletter outlining your benefit. Your award letterwill not reflect any health care deductionsyou might choose to have taken out of yourmonthly benefit.We will send your benefit payment to yourfinancial institution for direct deposit intoyour account. Payments are made availablethe last working day of the month in whichyou retire. Your first payment could be sentto your mailing address, so it might arrivea day or two later. This could also happenif you change banks or accounts duringretirement.We will recalculate your benefit amount ifwe receive any new information from youremployer after your retirement date. If yourbenefit amount changes, we will send you anupdated award letter outlining the change.Investment account contactFor questions about your defined contribution, contact Voya Financial.Log in at drs.wa.gov/login or call 888-327-5596.2
Washington State Department of Retirement SystemsInstructionsF Member InformationFill in all the boxes. List your name as it appears on your Social Securitycard.By law, you must provide your marital status and notify DRS of any changein marital status that occurs before your retirement.F Employment InformationYour effective date of retirement is the first of the month followingyour qualification for retirement. To qualify, you must separate fromall employment covered by Washington state’s retirement systemsbefore your retirement date and meet certain service credit and agerequirements.For example, if you end your employment on Aug. 31, your retirementdate is Sept. 1. The effective date of your retirement is the first day of themonth after you reach the qualifying age. So if you separated from youremployment on June 30, 2018, and you meet the qualifying age on Jan. 15,2019, your retirement date is Feb. 1, 2019.Find your plan information at drs.wa.gov/plan, for explanations ofretirement requirements and sample calculations.If your employer was the city of Seattle, the city of Spokane or the city ofTacoma, you might be eligible for a dual member benefit. If you haveworked for or are currently working for one of these cities, check yes andthen check the name of the city.If you are contributing to a higher education retirement plan (HERP),you must separate from that employment before we can process yourretirement application.F Early Retirement Factor (ERF) SelectionIf applicable, you must select one of the Early Retirement Factors listed.Your selection is permanent. Return-to-work rules differ for each option.For more information, see What if I want to return to work after I retire? onpage 11 or contact us.3
Clear FormWashington State Department of Retirement SystemsPlans 2 and 3 Applicationfor Service RetirementSend completed form to:Department of Retirement SystemsPO Box 48380 ꔷ Olympia, WA 98504-8380This form is for members of the PublicEmployees’ Retirement System (PERS) only.www.drs.wa.gov ꔷ 800.547.6657360.664.7000 ꔷ TTY: 711Member InformationName (Last, First, Middle)Gender (optional)Social Security Numberc M c F c XMailing AddressCityDate of Birth (mm/dd/yyyy)StatePhone NumberZIPAlternate Phone NumberEmail AddressMarital Statusc Singlec Widowedc Married/Registered Domestic Partnershipc Separatedc DivorcedIf you are, or have been, divorced or separated, was your spouse awarded any portion of your retirement?c Yesc NoIf yes, you might be required to provide documentation of your divorce decree. By law, you must provide your marital statusand notify DRS of any change in marital status that occurs before your retirement.Employment InformationEmployerJob TitleDate Separated from Employment (mm/dd/yyyy)Effective Date of Retirement (mm/01/yyyy)/ 01/Are you a member or retiree of a separateretirement plan covered by the city of Seattle,Spokane or Tacoma?c Yes c NoHave you ever contributed or are you currentlycontributing to a higher education retirementplan (HERP) in Washington state?If yes, which one(s)?If Retired, Date of Retirement (mm/dd/yyyy)c Seattlec Spokanec TacomaIf Yes, Employer NameIf Yes, Dates (mm/dd/yyyy)From:To:c Yes c NoEarly Retirement Factor (ERF) Selection (for members hired before May 1, 2013,who are retiring before age 65 with 30 or more years of service credit)F 3% ERF: Your benefit is reduced by 3% for each year before age 65 you retire.c 2008 ERF: Your benefit is not reduced if you retire at age 62 or later. However, it is reduced for each year before age62. If you return to work in any capacity for a DRS-covered employer before age 65, you will not receive a benefit for anymonth in which you work. The 2008 ERF became effective July 1, 2008, for PERS members.DRS P 354 12/21*DRSP354*4
Washington State Department of Retirement SystemsName (Last, First, Middle)Social Security NumberYou must choose either Single Life Option OR Survivor Option.Single Life Benefit Option (choose only one benefit option)c Single Life Option (Option 1)c One-Time Lump Sum Payout Option(If you choose this option, you must complete the enclosedMember or Alternate Payee Options for Your Lump SumBenefit form and the Beneficiary Designation area below.)Beneficiary DesignationYou must name at least one primary beneficiary. Do not name yourself. If you pick more than one primary beneficiary ormore than one contingent beneficiary, the total percentage(s) for each category must add up to 100%. Use whole numbers(for example, 50% and 50% or 66% and 34%). A contingent beneficiary is a person or entity you choose to receive yourmoney if both you and all your primary beneficiaries die. If you have more than three beneficiaries, attach a separate sheetwith the same information as below; then sign and date it.RPrimary%Relationshipc PrimaryName (Last, First) or Full Name of EntityMailing AddressSocial Security NumberCityDate of Birth% Name (Last, First) or Full Name of EntityStateZIPStateZIPStateZIPMailing Addressc Contingent %Relationshipc PrimarySocial Security NumberDate of BirthCity% Name (Last, First) or Full Name of EntityMailing Addressc Contingent %RelationshipSocial Security NumberDate of BirthCityIf you selected the Single Life Benefit Option, STOP. Do NOT complete theSurvivor Option area of the application. Continue to page 8.Survivor Option (Options 2, 3 and 4)c Option 2 — 100% Survivorc Option 3 — 50% Survivorc Option 4 — 66.67% SurvivorSurvivor DesignationName of Survivor (Last, First, Middle)Social Security NumberGender (optional)Date of BirthMailing AddressRelationshipCityStatec M c F c XSurvivor Proof of AgePlease check one of the proof-of-age documents in this box, and submit a copy of it with your application.c Birth Certificatec NEXUS Cardc Passport/Passport Cardc Naturalization Certificatec Government-Issued Driver Licensec Certificate of Armed Services Record —US DD-214c Government-Issued Identification (ID) CardDRS P 354*DRSP354*5ZIP
Washington State Department of Retirement SystemsInstructions cont.Your benefit option selection is permanent. Once you retire, you can changeyour option only under limited circumstances. See your plan at drs.wa.gov/plan for an explanation of the criteria. You may choose a Single Life Optionor a Survivor Option. Your benefit options are:F Single Life Benefit Option Single Life Option (Option 1): This option provides aretirement benefit payable for your lifetime. The beneficiary(or beneficiaries) you name will receive a refund of any unpaidportion of the final month’s benefit (if any payment remains) upto your date of death. We update your beneficiary informationeven if you cancel your application. Submit a new beneficiaryform if you want to change your designated beneficiary. If youchoose the Single Life Option, your beneficiary does NOTreceive an ongoing monthly benefit. You still must completethe Beneficiary Designation area. If your Option 1 benefit is lessthan the minimum amount stated in your estimate, you maychoose between a lump sum payment (complete the enclosedMember or Alternate Payee Options for Your Lump Sum Benefitform) and a monthly benefit.We can’taccepterasures,white outsor crossouts in thebenefitoptionselectionarea onpage 5.If you selected the Single Life Benefit Option, STOP. Do NOT completethe Survivor Option area of the application. Continue to page 8.F Survivor Benefit Options (Options 2, 3 and 4)You may reduce your monthly benefit to provide a lifetime monthly benefit to onesurvivor. (Review the proof-of-age section below.) When choosing a Survivor Option,the total life expectancy for you and your survivor determines the exact percentageof reduction in these options. Review your estimate to see the reduction and benefitamounts for each option. If your survivor dies before you do, you may request that yourbenefit be adjusted to Option 1 beginning the month after your survivor’s death. Option 2 — 100% Survivor: Your survivor will receive the same monthly benefitamount you were receiving before your death. Option 3 — 50% Survivor: Your survivor will receive half the monthly benefitamount you were receiving before your death. Option 4 — 66.67% Survivor: Your survivor will receive two-thirds the monthlybenefit amount you were receiving before your death.Survivor Designation: This section tells us who will receive a benefit upon your death.If you cancel your application, the survivor named here will not be valid. The most recentbeneficiary designation we have in your file will stay in effect.F Survivor Proof of AgeIf you choose a Survivor Option (Options 2, 3 and 4), you must send us a proof-of-agedocument for the survivor you’ve named. Only documents listed on page 5 can beaccepted as proof of age. The document you send must include the month, day and yearof birth. Do not send originals; they can’t be returned. Include your SocialSecurity number, so we know to which account the document belongs. If youdon’t have or can’t find a proof-of-age document, contact us. A RetirementSpecialist will give you suggestions for locating a proof-of-age document.6
Washington State Department of Retirement SystemsInstructions cont.F IRS Tax WithholdingChoose Option 1 or Option 2.Option 1: Choose this option if you don’t want to have any taxes withheld from yourmonthly benefit check. You are still responsible for any income taxes you might need topay.Option 2: This option has DRS withhold federal income taxes for you based on themarital status and number of allowances you enter. This option also allows you to haveany additional amount withheld each month.You might want to talk with a tax advisor before filling out this section. To adjust your IRStax withholding amount anytime after retirement, send an IRS W-4P form to DRS. If youdon’t choose an option, DRS is required to withhold federal taxes as if you chose marriedwith three allowances.F PERS Annuity PurchaseThis is an optional annuity you can purchase to increase your pension payments inretirement. Once we process your retirement, we’ll send you a bill for the annuity amountyou request. You’ll have until 90 days after your retirement, or after you receive your bill(whichever is later), to pay. Once you pay the bill, your monthly pension payment willincrease to include the monthly benefit your newly purchased annuity provides. If you area Plan 3 member wishing to purchase an annuity with your defined contribution account,or for more information about annuities, visit drs.wa.gov/annuity.F Authorization for Direct DepositYour first payment could be sent to your mailing address, so it might arrive a day or twolater. This could also happen if you change banks or accounts during retirement.Due to federal restrictions, we cannot transfer funds electronically if the funds will beimmediately credited to an account outside the United States.Add the financial institution of your choice. This is usually your personal bank or creditunion. Your financial institution’s authorized representative can help you make sure youhave the correct routing number and account number for your direct deposit.How to find your routing and account numbersOn your checks, the routing number is on thebottom left. The next numbers are your account.Optional: You can also attach a voided check withyour application.If you don’t have checks, contact your financialinstitution and ask for the numbers.7 Pay toRouting NumberAccount Number
Washington State Department of Retirement SystemsName (Last, First, Middle)Social Security NumberIRS Tax Withholding (choose Option 1 or 2)c Option 1Don’t withhold federal income tax from my pension or annuity. This option does not relieve me of any taxliability.c Option 2Do withhold federal income tax from my pension or annuity based on my marital status and allowances.Marital Status:c Marriedc Married, but withhold at a single ratec SingleNumber of Allowances: (A number is required, even if it is zero.)Additional Withholding: In addition to the amount based on the allowances specified above,I elect to have withheld from each benefit payment.Optional PERS Annuity Purchase (total must be at least 5,000)Source of Funds (select all that apply)c Washington State Deferred Compensation Program (DCP)c Amount orc Apply 100% of my DCP balancec Roll over funds from a qualified plan other than Washington state’s DCPAmount Authorization for Direct DepositDue to federal restrictions, we cannot transfer funds electronically if the funds will be immediately credited to an accountoutside the United States.I authorize and request: The Department of Retirement Systems (DRS) transfer the full amount of my monthly benefit payment, afterauthorized deductions, to the designated financial institution for deposit The designated financial institution provide information to DRS regarding address changes and accountinformation to ensure proper and timely processing of deposit transactions The designated financial institution refund to DRS any overpayments to my account made subsequent to my deathor payments made in errorName of Financial InstitutionRouting NumberAccount TypeAccount Numberc Checking c SavingsDRS P 354*DRSP354*8
Washington State Department of Retirement SystemsName (Last, First, Middle)Social Security NumberYour Benefit StatementWhen the first payment is deposited, you will receive a remittance statement at the address you provided in the MemberInformation section. For future statements, check only one:c Send a statement when a change is made to my account and at the end of the year.c Send a statement at the end of the year.Member Signature (notarization required)I am applying for retirement with the selections on this form. All statements on this application are correct, including myselection of the Benefit Option on page 5 as well as my full name and Social Security number.Member SignatureDateState ofCounty ofDate Signed or Attested Before MeDate My Appointment ExpiresSealorStampNotary SignatureNotary NameNotary TitleSpousal/Registered Domestic Partner Declaration of Consent (notarization required)If you are the spouse, legally separated spouse or registered domestic partner of the applicant, you must give your consent ifthey: Choose a Single Life Option or name someone other than you as their survivor.If your consent is not given and this section is not completed, DRS will automatically use Option 3 and designate you as thesurvivor when calculating the benefit.I, , declare that I am aware of the retirement option selected by theapplicant and its effect on me. I consent to the option the applicant chose on page 5.Spouse/Registered Domestic Partner SignatureDateState ofCounty ofDate Signed or Attested Before MeDate My Appointment ExpiresSealorStampNotary SignatureNotary NameNotary TitleNotarization is required to process your application.Your Social Security number is needed so DRS can report to the IRS any funds paid to you. DRS will not discloseyour Social Security number unless required to do so by law. See IRC sections 6041(a) and 6109.DRS P 354*DRSP354*9
Washington State Department of Retirement SystemsInstructions cont.F Your Benefit StatementPick how you want to receive your statements. If you don’t choose an option, DRSwill send a statement when a change is made to your account and at the end of theyear.F Member SignatureBy signing this application, you confirm that all the statements and decisions youmade are true and accurate. That includes your: Personal information (address, date of birth, marital status, etc.) Intent to retire and the benefit option you selected Beneficiary and/or survivor designations Authorization for direct deposit Federal tax-withholding statusYou also confirm that you have provided your correct Social Security or TaxpayerIdentification Number in this application and that you are a U.S. citizen or residentalien individual. If you are a non-U.S. citizen who plans to move out of the country,you must file IRS form W-8BEN with DRS. A link to the W-8BEN form and the IRSwebsite are available at drs.wa.gov/irs/.You must have your signature notarized and sealed by a notary. We cannot acceptyour application for retirement without it.F Spousal/Registered Domestic Partner Declaration of ConsentYou must get consent from your spouse, legally separated spouse or registereddomestic partner if you: Choose a Single Life Option Name someone other than your spouse, legally separated spouse or partneras your survivorTheir notarized signature indicates awareness of and agreement to your chosenselection on page 5. If their consent isn’t included and notarized, DRS is requiredto process your retirement application as if you chose Option 3 and named yourspouse, legally separated spouse or partner as your survivor.10
Washington State Department of Retirement SystemsPotential opportunities for your considerationAre you retiring asa public safety officer?What if I want to returnto work after I retire?If you’re retiring as a public safety officer, youmight be able to exclude up to 3,000 of yourqualified health, accident and long-term careinsurance premiums from your gross taxableincome each year.If you return to public service in Washingtonstate after you retire, your benefit might beaffected, depending on your position and thenumber of hours you work.Under certain circumstances, you could berequired to become a member and paycontributions to another retirement system.You might be able to work limited hours withno impact to your benefit. However, if youretired early under provisions put in place in2008, your benefit could be stopped if youreturn to public service.Qualifications: To qualify, you must: Retire as a public safety officer Retire under the disability or normalservice retirement age provisions foryour retirement plan Have your health insurance premiumsdeducted from your retirement benefitand have DRS directly pay your insuranceproviderIf you think you might return to work afterretirement, contact us to find out whether yourbenefit will be affected. Also see Returning toWork (drs.wa.gov/life/return/).“Public safety officer” definition: To be apublic safety officer, according to the federalgovernment, you must retire from a publicagency while serving as one of the following: Law enforcement officer involved incrime and juvenile delinquency controlor reduction Enforcer of criminal laws, includingjuvenile delinquency, which includespolice, corrections, probation, parole andjudicial officers Firefighter Police or fire department chaplain Rescue squad or ambulance crewmember Judicial officer, including judges whohave jurisdiction in criminal law and/orjuvenile delinquency and prosecutingattorneysAm I eligible for medicaland dental coverage?The Health Care Authority (HCA) offers statesponsored medical and dental coverage topeople retiring from school districts, highereducation employers and state agencies. Toparticipate, you must enroll within 60 days ofyour retirement.For more information, see HCA’s enclosedbrochure Thinking About Retirement?The medical and dental plans you arecurrently enrolled in might offer coverageafter retirement. Contact your employer andinsurance company to learn more.How to apply: Find out more or apply for thePublic Safety Officers’ tax savings (drs.wa.gov/life/retired/).11
Washington State Department of Retirement SystemsCan I purchase additionalservice credit?Purchasing service creditin 10-month incrementsYou can purchase additional service credit (alsoknown as an annuity) to increase your monthlybenefit. You can do so at the time of yourretirement only. You cannot use the additionalservice credit to qualify for retirement.MonthlyIncreaseto BenefitMonths toPurchaseYou can’t cancel the annuity. Annuities are fixedincome sources. Once you purchase the annuity,you will not have access to the funds you used tomake the purchase. If you have not completed theannuity purchase, you can still change or cancelthe annuity.AdministrativeFactorEstimatedCost10 500.0069798 7,16420 1000.0069798 14,32730 1500.0069798 21,49140 2000.0069798 28,65450 2500.0069798 35,81860 3000.0069798 42,981Example for a 65-year-oldPERS memberA 65-year-old PERS Plan 2 member has 22 years(264 months) of service credit. The Average FinalCompensation (AFC) is 3,000 per month. Thepurchase below is for five years (60 months) ofadditional service credit.Why purchase: Purchasing additional servicecredit increases your monthly benefit for the restof your life and, if you choose a survivor option,DRS will continue paying the increase to yoursurvivor after your death.Step Before filing the retirement application,the estimated monthly benefit is calculat1ed without purchasing additional servicecredit:2% x service credit years x AFC monthly benefitYou can purchase between one and 60 monthsof service credit in whole-month increments. Thecost of service is based on the administrativefactor for your age and plan. The monthly increaseto your benefit is based on the same formula usedto calculate your retirement benefit.The estimated monthly benefit will be 1,320 (2% x 22 x 3,000 1,320).The administrative factors used in the table andexample on the following page are for illustrativepurposes only. See Administrative Factors on theDRS website for the most current numbers.Step The same formula is used to calculate howmuch the monthly benefit will increase2after the purchasing five years (60 months)of additional service credit.2% x 5 x 3,000 300Next steps: If you might want to purchaseadditional service credit, contact us to request anestimate. Then, if you want to purchase additionalservice credit, submit a completed Request toPurchase Additional Retirement Service Creditform. A bill will be created in the month you retire.Your payment must be made in full for the entireamount of service credit you purchase within 90days of the bill issue date.Buying 60 months of service credit willincrease the monthly benefit. 1,620 ( 1,320 300 1,620).Step To figure out the cost to purchase theadditional five years (60 months) of3service credit, divide the amount of themonthly benefit increase ( 300) by anadministrative factor based on age. 300 0.0069798 42,981To pay your bill, you can make a one-timecash or check payment, an electronic fundstransfer, or roll over funds from a tax-deferredretirement account, such as the state’s DeferredCompensation Program or an IRA. After DRSreceives your payment, your benefit will increase.It will cost 42,981 to purchase five years(60 months) of service credit.12
Washington State Department of Retirement SystemsDeferred Compensation ProgramConsider accessing this one-time opportunityto defer taxes. If you are planning to retire andhave not maximized your DCP contributions forthe year, you may do so by taking advantage ofannual and sick leave cash-outs. Your employermust participate in DCP for you to be eligible forthis opportunity.Sick leave: When you retire (or each January,if you are an eligible state employee), you mayelect to receive compensation for unused sickleave. This amount is based on your salary at thetime of payment.Retirement sick leave cash-outs cannot bedeferred if your employer participates in theVoluntary Employees’ Beneficiary Association(VEBA). Check with your payroll or humanresources department to find out whether youragency participates in VEBA.Annual leave: If you receive an annual leavecash-out, you have the opportunity to defer themoney into DCP, up to the maximum limit. Taxesare not paid on this money until you withdraw itfrom your DCP account.Six reasons to stay with DCPIf you’re getting ready to retire, youhave the option of maintaining your DCPaccount. Keeping your money in the plancould provide you with better retirementopportunities.Here’s why:1. Easy 24/7 account management2. Diverse investment opportunities3. Quick and easy transfers amonginvestment options4. Low-cost program5. Easy consolidation of yourretirement savings6. Flexible distribution and payoutoptionsFind out more at drs.wa.gov/dcp.If interested, contact DCP a month before yourleave cash-out date.PrivacySummaryWe are committed to protecting the privacy of yourpersonal account information, including your SocialSecurity number, which we use to track your accountand submit required reports to the IRS. We willnot disclose your information to anyone unless weare required to do so by law. If you have insurancecoverage through the Washington State PublicEmployees Benefits Board (PEBB), we might shareyour information with PEBB to better serve you.This document is a summary. It is not a completedescription of retirement. State retirement lawsgovern your benefit. If a conflict exists between theinformation in this document and what is containedin current law, the law governs.13
Washington State Department of Retirement SystemsGlossaryBeneficiary: The person(s), estate, organization ortrust you have designated to receive any benefitspayable upon your death. Your beneficiary willreceive payment if you die before retirement.First Class City retirement systems for Seattle,Spokane and Tacoma.Early Retirement Factor: A reduction factor usedin the benefit calculation when you retire beforemeeting requirements for a normal retirement.The Office of the State Actuary provides thesefactors. Refer to WAC 415-02-320 for moreinformation.Note: Be sure to keep your beneficiaryinformation up to date with DRS.Benefit option: The option you select atretirement to indicate whether to providepayment to a survivor after your death. Option 1does not provide a monthly payment to a survivorafter your death. All other options do provide acontinuing payment to a survivor. Once you retire,you can change your option only under limitedcircumstances. This selection is per
F Single F Widowed F Married/Registered Domestic Partnership F Separated F Divorced If you are, or have been, divorced or separated, was your spouse awarded any portion of your retirement? F Yes F No If yes, you might be required to provide documentation of your divorce decree.
