Did you divorce while employed by PG&E—or are you in the process of divorcing while employed by PG&E? Your former spouse(s) may have an interest in a portion of your PG&E retirement benefits.
Before you can start your pension—and for each former spouse who may have an interest—you’ll need to provide PG&E the following documentation:
- A copy of the court-filed judgment of Dissolution or Judgment of Divorce and any Marital Settlement Agreement (MSA)
- A copy of the court-filed Qualified Domestic Relations Order (QDRO), which shows how your benefit is divided if your former spouse was awarded a portion of your PG&E retirement benefits
You’ll need to mail this documentation to the PG&E Pension Service Center regardless of how old the divorce or how short the marriage:
PG&E Pension Service Center
P.O. Box 981909
El Paso, TX 79998
If you don’t provide the required documentation, your pension could be delayed or suspended without notice, and you could be subject to legal action to recover the benefit that was due to your former spouse(s) but paid to you.
Have more than one former spouse?
Provide PG&E with a copy of the court-filed orders for each divorce.
Don’t have the documents? Not sure what you need?
Contact your divorce attorney or the clerk of the court where your divorce was filed for help locating your records. Many courts also have websites where you can order your records online. You can also email WTWQDRO@willistowerswatson.com or call 1-800-700-0057 for help from the QDRO team.
Is your divorce still in process?
You have two options:
- Retire before your divorce is final and elect a joint pension of at least 50% with your spouse—or get your spouse’s signed, notarized consent to a different election. Your retirement paperwork won’t be complete without this.
- Defer your pension until after your divorce is final. If you’ve already submitted your written resignation, your supervisor must agree to change your resignation date if you want to keep working until your pension starts.
Is your divorce final—but you don’t have your final, court-filed documentation?
You should still return all of your other correctly completed retirement paperwork by the expiration date on your kit.
- You’ll still retire on your requested date.
- Your pension benefit will be based on that date.
- Your first pension payment will be delayed in full months until the PG&E Pension Service Center receives your final, court-filed documentation.
When your pension will start
Your first pension payment will be made on the first of the month at least 30 days after the PG&E Pension Service Center receives your final, court-filed documentation. It will include a make-whole payment without interest for the months missed due to missing divorce documentation.
Paying for retiree medical coverage
If you elected PG&E-sponsored retiree medical coverage, the PG&E Benefits Service Center will automatically deduct your retiree medical premium from your pension as soon as they receive your Pension Personnel ID Number (PERNR). Deductions from your pension will be taken for current and prior months of retiree medical coverage.
If your pension is delayed for more than two months after your retiree medical coverage starts, the PG&E Benefits Service Center will automatically move your account to Direct Bill with HealthEquity | WageWorks. You’ll be billed for current and prior months of retiree medical coverage.
If you’re choosing to postpone your pension payments, you can start Direct Bill earlier by calling the PG&E Benefits Service Center. That way, you can avoid a big bill for past-due retiree medical premiums.
After your pension starts, you’ll need to call the PG&E Benefits Service Center if you want to stop getting monthly bills and switch to pension deductions to pay for your retiree medical premiums. Call 1-866-271-8144 and follow the prompts.
If you stay on Direct Bill and you don’t pay your premiums, your retiree medical coverage could be canceled.
By the time you start receiving your pension, your entire monthly annuity may automatically go toward paying your past-due retiree medical premiums. This will continue until your past-due premiums are paid in full.