Interactive Comparison Tool
Military vs. Federal Civilian Divorce
See the financial differences side-by-side. Each benefit system has its own rules, court orders, and traps. Select a category to explore how they compare.
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Click any card below to see the military and federal civilian rules side-by-side.
Military
Military Retired Pay (USFSPA)
- Governed by the Uniformed Services Former Spouses' Protection Act (USFSPA)
- State courts divide disposable retired pay as marital property
- 10/10 rule: 10+ years of marriage overlapping 10+ years of service enables direct DFAS payment
- Coverture fraction determines the marital share
- No federal equivalent to QDRO; state court order is sufficient for DFAS direct pay
Federal Civilian
FERS / CSRS Annuity (COAP)
- Divided via Court Order Acceptable for Processing (COAP) — the federal QDRO equivalent
- OPM administers payment; precise COAP language is required
- Coverture formula or segregated formula determines marital share
- Errors in COAP language can permanently forfeit benefits
- CSRS carries higher contribution rates and richer benefits than FERS
Click any category above to compare both systems
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Educational purposes only. Not legal advice. Not tax advice. Results vary based on individual circumstances. Please consult qualified legal and financial professionals regarding your situation.