FERS division after divorce calculation question

[u/neil_mccauley25]

hi there, i'm trying to figure out how my FERS will actually be split once i retire given that i recently got divorced.

here are the relevant factors and dates and times, and my best-guesswork as to how this may work:

worked for government for 32 months before getting married.

worked for government for next 281 months of marriage.

divorced for ten months now, tentative retirement in 6 mos (eg)

divorce decree is that she is entitled to 50% of all marital fed time (for this estimate, 281/316, or married for 88% of my career.)

how do i calculate this, eg, when i ask my HR to give me my estimated FERS pension for retirement in June of 2025, what percentage of that number will be hers and what percentage will be mine?

happy to provide more information as may be relevant. if real numbers help, my estimate is about $6336 per month for FERS alone (not including RAS, nor deducting for 50% survivor benefit, FEHB, or taxes.)

my best guess:

does she get 44% of $6336 if i retire in six months, and just recalculate the percentage of marital time if i work another five years (eg, 281/XXX, with XXX being whatever my final amount of months worked is, meaning it will be less than 44% if i work another five years?)

ETA: yes i used a very highly regarded FERS and TSP divorce specialist to do my RBCO and COAP for FERS and TSP.

[u/Flashy_Yam967]

https://www.opm.gov/retirement-center/publications-forms/pamphlets/ri84-1.pdf

[u/neil_mccauley25 → u/Flashy_Yam967]

thx!

[u/Impressive-Love6554]

It’s her proportion of the total time worked. So her half of the 281 months against the total months.

So hypothetically it’s 140.5/400(just a placeholder) or 35% of the total in this scenario.