QDROs and DROs for Kentucky

Kentucky QDRO Preparation At the time of divorce or dissolution of marriage, plan benefits may be divided between the participant or member and that person’s spouse. In order to effectuate a division of the pension benefits in the state of Kentucky, a Qualified Domestic Relations Order (QDRO or DRO) must be prepared and submitted to the Plan Administrator. The Orders generated by our online service are specific to each System or Plan.

Types of Plans(all QDROs are $299)


QDRO Kentucky Defined Benefit Plans ….. Start Now Start Now
QDRO Kentucky Defined Contribution Plans
  • Traditional Plan
  • 401(k) Plan
  • Profit Sharing Plan
  • Savings Plan
  • TIAA Plan
  • Individual Retirement Account (IRA)
  • Deferred Compensation Plan (457b and 457f)
  • Read About Plans
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QDRO Federal Government Plans
  • Civil Service Retirement System
  • Federal Employees Retirement System
  • Thrift Savings Plan
  • Read About Plans
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QDRO Kentucky State, City, Local & Public School Plans
  • Kentucky Public Employees Retirement System (KPERS)
  • Kentucky County Employees Retirement System (KCERS)
  • Kentucky State Police Retirement System (KSPRS)
  • Read About Plans
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QDRO Military Retirement System (MRS) ….. Start Now Start Now
QDRO Railroad Retirement System (RRS) ….. Start Now Start Now
QDRO QDRO to Collect Past Due Child Support

Overview of a Kentucky QDRO and Dividing Kentucky Retirement Accounts

In Kentucky, vested pensions are marital property. A pension vests when all the requirements to receive the pension have been met. Unvested pensions are also marital property. Until the pension has vested, the person under whom the pension is maintained has only an expectancy of interest in the pension.

Several different methods of valuation are used in determining how much a marital asset is worth, depending upon the asset to be valued and the level of agreement between the parties. Courts generally accept the value when the spouses mutually agree on a value of a particular asset. Experts may be retained by the parties or by the courts to determine the value of marital assets if the parties cannot agree. Such experts may include accountants, real estate or business appraisers, or pension valuators. The use of experts adds to the cost of the divorce.

In Kentucky, the court may include the retirement benefits and plans earned by both spouses as marital assets available for division. Retirement benefits vary greatly but can generally be divided into two groups:

  • Defined Contribution Plans: A defined amount of money belonging to the employee. The employee and/or the employer make defined contributions. The balance of the plan is constantly changing, but its value is definable at any given point. 401(k)’s, 403(b)’s and profit sharing plans fall into this category.
  • Defined Benefit Plans: A retirement benefit where an employer promises to pay a benefit to an employee sometime in the future, based upon some type of formula. Normally, this formula is based on the employee’s salary near the end of his or her career and the number of years he or she worked for the employer before retirement. Defined benefit plans are much more complicated to value and often require the professional evaluation of an actuary to determine exact values.

In Kentucky if spouses share in each other’s retirement or pension plan, a Qualified Domestic Relations Order must be completed. A QDRO is a written set of instructions that explains to a plan administrator that two parties are dividing pension benefits. The instructions set forth the terms and conditions of the distribution - how much of the benefits are to be paid to each party, when such benefits can be paid, how such benefits should be paid, etc.

Kentucky County Courts:

The court locations below are provided for informational purposes only. We do our very best to keep this information current and accurate, but courthouse locations do change.

Adair County Judicial Center,
201 Campbellsville St., Columbia, KY 42728

Allen County Courthouse,
201 W. Main St., Rm. 202, P.O. Box 477, Scottsville, KY 42164-0477

Anderson County Courthouse,
151 S. Main St., Lawrenceburg, KY 40342

Ballard County Courthouse,
134 N. Fourth St., P.O. Box 265, Wickliffe, KY 42087

Barren County Courthouse,
100 Courthouse Square, P.O. Box 1359, Glasgow, KY 42141

Bath County Courthouse Annex,
19 E. Main St., P.O. Box 558, Owingsville, KY 40360

Bell County Courthouse,
Farmer Helton Judicial Center, 101 Park Ave., P.O. Box 307, Pineville, KY 40977

Shelby County Courthouse,
501 Main St. or 535 1/2 Main St., Shelbyville, KY 40065

Spencer County Courthouse,
2 W. Main St.,Taylorsville, KY 40071

Barren County Family Court,
202 Courthouse Square, Glasgow, KY 42141

Metcalfe County Courthouse,
201 E. Stockton St., Edmonton, KY 42129

Boone County Family Court,
Boone County Justice Center, 6025 Rogers Ln., Rm. 352, Burlington, KY 41005

Boyd County Judicial Center,
2805 Louisa St., P.O. Box 688, Catlettsburg, KY 41129

Boyle County Courthouse,
321 W. Main St., Danville, KY 40422

Bracken County Courthouse,
116 W. Miami St., P.O. Box 205, Brooksville, KY 41004

Breathitt County Justice Center,
1131 Main St., Jackson, KY 41339

Breckinridge County Courthouse,
208 S. Main St., P.O. Box 111, Hardinsburg, KY 40143

Mercer County Courthouse,
224 S. Main St., Harrodsburg, KY 40330

Bullitt County Judicial Center,
250 Frank E. Simon Ave., Rm. 302, Shepherdsville, KY 40165

Butler County Courthouse,
110 Main St., P.O. Box 625, Morgantown, KY 42261,

Caldwell County Courthouse Annex,
105 W. Court Square, Princeton, KY 42445

Calloway County Judicial Building,
312 N. 4th St., Murray, KY 42071

Marshall County Judicial Building,
80 Judicial Dr., Unit 224, Benton, KY 42025

Campbell County Family Court,
330 York St., Newport, KY 41071

Carter County Justice Center,
102 E. Main St., Grayson, KY 41143

Carlisle County Courthouse,
324 U.S. Highway 51, P.O. Box 337, Bardwell, KY 42023-0337

Carroll County Courthouse,
William L. Wheeler Hall of Justice, 802 Clay St., Carrollton, KY 41008

Casey County Judicial Center,
231 Courthouse Square, Liberty, KY 42539

Clay County Justice Center,
316 Main St., Ste. 108, Manchester, KY 40962-1377,

Elliott County Circuit Court,
100 Court and Main St., P.O. Box 788, Sandy Hook KY 41171

Morgan County Courthouse,
518 Main St., P.O. Box 85, West Liberty, KY 41472

Christian County Family Court,
Christian County Justice Center, 100 Justice Way, Hopkinsville, KY 42240

Madison County Court,
Farris Parks Family Court Annex, 101 N. First St., P.O. Box 1415, Richmond, KY 40476

Clark County Court,
34 S. Main St., Winchester, KY 40391

Clinton County Courthouse,
100 S. Cross St., Albany, KY 42602

Crittenden County District Court,
107 S. Main St., Marion, KY 42064-1500

Cumberland County Justice Building,
112 Public Square, Burkesville, KY 42717-0395

Clay County Justice Center,
316 Main St., Ste. 108, Manchester, KY 40962-1377

Daviess County, Holbrook Judicial Center,
100 E. Second St., Owensboro, KY 42302-0277

Edmonson County Courthouse Annex,
108 N. Main St., Brownsville, KY 42210

Elliott County Courthouse Annex,
100 Court and Main St., Sandy Hook, KY 41171

Estill County Courthouse,
130 Main St., Irvine, KY 40336

Jackson County Courthouse,
Main Street, McKee, KY 40447

Leslie County Courthouse,
22010 Main St., Hyden, KY 41749

Fayette County Family Court
120 N. Limestone St., Lexington, KY 40507

Fleming County Courthouse
100 Court Square, Flemingsburg, KY 41041

Floyd County Justice Center
127 S. Lake Dr., Prestonsburg, KY 41653

Fulton County Courthouse,
114 E. Wellington St., P.O. Box 198, Hickman, KY 42050

Gallatin County Courthouse,
100 Main St., Warsaw, KY 41095

Garrard County Courthouse Annex,
7 Public Square, Lancaster, KY 40444

Grant County Courthouse,
101 N. Main St., Williamstown, KY 41097,

Graves County Courthouse,
100 E. Broadway, Mayfield, KY 42066

Grayson County Judicial Center,
500 Carroll Gibson Blvd., Leitchfield, KY 42754

Green County Judicial Center,
200 W. Court St., Greensburg, KY 42743

Greenup County Courthouse Annex,
101 Harrison St., Greenup, KY 41144

Hancock County Courthouse,
200 Court Square, Hawesville, KY 42348-0250

Knott County Courthouse,
100 Justice Dr.,Hindman, KY 41822

Magoffin County Justice Center,
100 E. Maple St., Salyersville, KY 41465

Franklin County Family Court,
669 Chamberlin Ave., Frankfort, KY 40601

Hardin County Family Court,
Hardin County Justice Center, 120 East Dixie Ave., Elizabethtown, KY. 42701

Harlan County District Court,
129 S. 1st St., Harlan, KY 40831

Harrison County Family Court,
Harrison County Justice Center, 115 Court St., Ste. #7, Cynthiana, KY 41031

Hart County Judicial Center,
117 E. South St., P.O. Box 248, Munfordville, KY 42765

Henderson County Judicial Center,
5 N. Main St., Henderson, KY 42420

Henry County Courthouse,
30 N. Main St., P.O. Box 359, New Castle, KY 40050

Hickman County Courthouse Annex,
109 S. Washington St., Clinton, KY 42031-1439

Hopkins County Courthouse,
30 S. Main St., Madisonville, KY 42431

Nicholas County Courthouse,
Main and Broadway Sts., Carlisle, KY 4131

Pendleton County Courthouse,
233 Main St., Falmouth, KY 41040

Robertson County Courthouse,
211 Court St., Mt. Olivet, KY 41064

Henderson County Judicial Center,
5 N. Main St., Henderson, KY 42420

Oldham County Courthouse,
100 W. Main St., La Grange, KY 40031

Trimble County Courthouse,
30 Hwy. 42 East, P.O. Box 248, Bedford, KY 40006

Jackson County Courthouse,
105 Main St., McKee, KY 40447

Jefferson County Family Court,
Jefferson County Judicial Center, 700 W. Jefferson St., St.e 105, Louisville, KY 40202-4733

Jessamine County Court Complex,
107 N. Main St., Nicholasville, KY 40356,

Johnson County Judicial Center,
908 Third St., Paintsville, KY 41240,

Lawrence County Courthouse,
122 Main Cross St., Louisa, KY 41230

Martin County Circuit Court,
Martin County Courthouse, 430 Court St., P.O. Box 430, Inez KY 41224

Kenton County Justice Center,
230 Madison Ave., Covington, KY 41011,

Knott County Justice Center,
100 Justice Dr., Hindman, KY 41822,

Knox County Courthouse Annex,
303 Court Square, P.O. Box 760, Barbourville, KY 40906

LaRue County Courthouse Annex,
209 W. High St., P.O. Box 191, Hodgenville, KY 42748,

Laurel County Judicial Center,
305 S. Main St., London, KY 40741,

Lawrence County Courthouse Annex,
122 Main Cross St., P.O. Box 847, Louisa, KY 41230

Lee County Courthouse,
256 Main St., P.O. Box E, Beattyville, KY 41311

Leslie County Courthouse,
22010 Main St., Hyden, KY 41749

Letcher County Courthouse,
156 Main St., Whitesburg, KY 41858

Lewis County Justice Center,
94 Second St., P.O. Box 70, Vanceburg, KY 41179

Lincoln County Judicial Building,
101 E. Main St., Stanford, KY 40484

Livingston County Justice Center,
122 West Adair St., Smithland, KY 42081

Logan County Court of Justice,
329 W. Fourth St., Russellville, KY 42276

Lyon County Judicial Center,
500A W. Dale Ave., Eddyville, KY 42038

Madison County Courthouse,
101 W. Main St., P.O. Box 813, Richmond, KY. 40475

Magoffin County Justice Center,
100 E. Maple St., Salyersville, KY 41465

Marion County Courthouse,
120 W. Main St., Lebanon, KY 40033

Marshall County Judicial Building,
80 Judicial Dr., Benton, KY 42025,

Martin County Courthouse,
P.O. Box 460, Inez, KY 41224-0460

Mason County Justice Center,
100 W. Third St., Maysville, KY 41056,

McCracken County Courthouse,
301 S. Sixth St., P.O. Box 1436, Paducah, KY 42002

McLean County Courthouse Annex,
210 E. Main St., P.O. Box 145, Calhoun, KY 42327,

McCreary County Courthouse,
1 Main St., Whitley City, KY 42653

Meade County Courthouse,
516 Hillcrest Dr., Brandenburg, KY 40108,

Menifee County Courthouse,
12 Walnut St., P.O. Box 172, Frenchburg, KY 40322

Mercer County Courthouse,
207 W. Lexington St., Harrodsburg, KY 40330

Metcalfe County Courthouse,
201 E. Stockton St., P.O. Box 27, Edmonton, KY 42129

Monroe County Courthouse,
200 N. Main St., Ste. B, Tompkinsville, KY 42167,

Montgomery County Courthouse,
One Court St., P.O. Box 327, Mt. Sterling, KY 40353

Morgan County Courthouse,
518 Main St., West Liberty, KY 41472

Muhlenberg County Judicial Building,
136 S. Main St., P.O. Box 776, Greenville, KY 42345

Nelson County Justice Center,
200 Nelson County Plaza, Bardstown, KY 40004

Nicholas County Courthouse,
125 Main St., Carlisle, KY 40311

Ohio County Courthouse,
130 E. Washington St., P.O. Box 67, Hartford, KY 42347

Oldham County Courthouse,
100 W. Main St., La Grange, KY 40031

Owen County Courthouse,
100 N. Thomas St., P.O. Box 473, Owenton, KY 40359

Owsley County Courthouse,
N. Court Street, P.O. Box 130, Booneville, KY 41314

Pendleton County Judicial Center,
120 Ridgeway Ave., U.S. Hwy. 27, P.O. Box 69, Falmouth, KY 41040

Perry County Hall of Justice,
545 Main St., P.O. Box 7433, Hazard, KY 41702

Pike County Hall of Justice,
172 Division St., P.O. Box 1002, Pikeville, KY 41502

Powell County Courthouse,
525 Washington St., P.O. Box 578, Stanton, KY 40380

Pulaski County Family Court,
203 E. Mount Vernon St., Somerset, KY 42501

Pike County Family Court,
164 Main St., BB&T Bank Building, 4th Fl., Pikeville, KY 41501

Robertson County Courthouse,
36 Court St., Mt. Olivet, KY 41064

Rockcastle County Courthouse Annex,
205 E. Main St., Mt. Vernon, KY 40456

Rowan County Courthouse,
627 E. Main St., Morehead, KY 40351

Russell County Courthouse,
410 Monument Square, Jamestown, KY 42629

Scott County Justice Center,
119 N. Hamilton St., Georgetown, KY 40324-0474

Shelby County Courthouse,
501 Main St., Shelbyville, KY 40065

Simpson County Justice Center,
101 N. Court St., Franklin, KY 42134

Spencer County Courthouse Annex,
27 E. Main St., P.O. Box 282, Taylorsville, KY 40071

Taylor County Judicial Center,
300 E. Main St., Campbellsville, KY 42718

Todd County Courthouse,
200 Washington St., P.O. Box 337, Elkton, KY 42220

Trigg County Courthouse,
12 Court St., Cadiz, KY 42211

Trimble County Courthouse,
30 Highway 42 E., P.O. Box 248, Bedford, KY 40006

Union County Courthouse Annex,
121 S. Morgan St., Morganfield, KY 42437

Warren County Justice Center,

1001 Center St., Bowling Green, KY 42101-2192

Washington County Judicial Center,
100 E. Main St., Suite 100, Springfield, KY 40069

Wayne County Justice Center,
100 W. Columbia Ave., Monticello, KY 42633

Webster County Judicial Center,
25 U.S. Highway 41A S., Dixon, KY 42409

Whitley County Courthouse,
100 Main St., Williamsburg, KY 40769

Wolfe County Courthouse,
10 Court St., P.O. Box 296, Campton, KY 41301-0296

Woodford County Courthouse Annex,
130 Court St., Versailles, KY 40383

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