15:24 Jan 17 

Separate Interest QDRO. A separate interest QDRO creates two distinct separate accounts for the Participant and the Alternate Payee. Each account is actuarially adjusted for the lifetime of each party. The Alternate Payee may select a commencement date to receive benefits different from the Participant and may chose the form of payment. Once benefit payments begin, they will continue for the lifetime of the Alternate Payee, but will not revert to the Participant upon the death of the Alternate Payee. Cost of living and other increases will not automatically be applied to the Alternate Payee’s share, but must be specifically stated in the QDRO. Also, a QPSA needs to be in place to secure this benefit even with a separate interest QDRO in case of the pre-retirement death of the Participant.

15:23 Jan 17 

Oui, c'est exactement ce que je pense.

15:20 Jan 17 

Orders that seek to divide a pension as part of the marital property upon divorce or legal separation often take a different approach to dividing the retirement benefit. These orders usually divide the participant's retirement benefit (rather than just the payments) into two separate portions with the intent of giving the alternate payee a separate right to receive a portion of the retirement benefit to be paid at a time and in a form different from that chosen by the participant. This approach to dividing a retirement benefit is often called the separate interest approach. (http://www.dol.gov/ebsa/faqs/faq_qdro3.html)

15:05 Jan 17 

Sans être spécialiste en la matière, je verrais la traduction un peu comme ceci : "Les prestations au bénéficiaire de remplacement seront payables en tant qu’intérêt (taux de rendement?) séparé déterminé sur une base d’équivalence actuarielle de son assurance-vie […]"

« Payable on her life » signifie « son assurance-vie »

14:40 Jan 17 

Form of Payment to the Alternate Payee: The Alternate Payee shall receive her benefit as a separate entitlement, payable for her lifetime. The Alternate Payee will be paid a monthly amount actuarially adjusted for the Alternate Payee's life expectancy and the form of benefit under which she elects to receive payments. ... However, the foregoing shall not be construed to require the Plan to provide any type or form of benefit nor any option that is not available under the Plan.

14:27 Jan 17 

l'expression est utilisée ici au cours d'une discussion technique

14:27 Jan 17 

Contexte: dans le cadre d'un divorce aux US, tribunal rend une "Qualified Domestic Relations Order" aux termes de laquelle, Madame se voit accorder 50% des pensions de retraite complémentaire de Monsieur. Ce que je comprends du passage: les pensions que Madame reçoit auront la même qualité que les droits conférés à des bénéficiaires de susbsitution et qui seraient "payable on her life" dans le cadre du régime.

14:12 Jan 17 

Ce ne serait pas par hasard une rente viagère?

13:16 Jan 17 

oui, c'est meilleur effectivement, bien que je ne suis pas certain que ce soit le sens; le contexte confirme pourtant cette interprétation.

13:11 Jan 17 

payable de son vivant?