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CourtListener opinion 11164171
Date unknown · US
- Extracted case name
- pending
- Extracted reporter citation
- 392 F.3d 1
- Docket / number
- pending
Machine-draft headnote
Machine-draft public headnote: CourtListener opinion 11164171 is included in the LexyCorpus QDRO sample set as a public CourtListener opinion with relevance to pension / defined benefit issues. The current annotation is conservative: it identifies source provenance, relevance signals, and evidence quotes for attorney/agent retrieval. It is not a Willie-approved legal headnote yet.
Retrieval annotation
Draft retrieval summary: this opinion has QDRO relevance score 5/5, retirement-division score 5/5, and family-law score 5/5. Use the quoted text and full opinion below before relying on the case.
Category: pension / defined benefit issues
Evidence quotes
QDRO“nsurance C o . v. Civil N o . 08-cv-248-JL Opinion N o . 2009 DNH 146 Judith A . Hanson, et a l . MEMORANDUM ORDER This interpleader action involving the proceeds of a life insurance policy presents a question of statutory interpretation: whether the qualified domestic relations order ("QDRO") exception to ERISA's pre-emption provision applies to welfare benefit plans such as life insurance policies, or only to pension plans. Metropolitan Life Insurance Company ("MetLife") initiated this interpleader complaint to resolve competing claims to life insurance benefits under an employee welfare benefit plan established and maintained by”
pension“eds of a life insurance policy presents a question of statutory interpretation: whether the qualified domestic relations order ("QDRO") exception to ERISA's pre-emption provision applies to welfare benefit plans such as life insurance policies, or only to pension plans. Metropolitan Life Insurance Company ("MetLife") initiated this interpleader complaint to resolve competing claims to life insurance benefits under an employee welfare benefit plan established and maintained by General Electric Company for its employee, decedent William J. Hanson. Two of the three interpleader defendants have cross-moved for sum”
ERISA“. 2009 DNH 146 Judith A . Hanson, et a l . MEMORANDUM ORDER This interpleader action involving the proceeds of a life insurance policy presents a question of statutory interpretation: whether the qualified domestic relations order ("QDRO") exception to ERISA's pre-emption provision applies to welfare benefit plans such as life insurance policies, or only to pension plans. Metropolitan Life Insurance Company ("MetLife") initiated this interpleader complaint to resolve competing claims to life insurance benefits under an employee welfare benefit plan established and maintained by General Electric Company for”
alternate payee“riage is a qualified domestic relations order. Id. at § 1056(d)(3)(B)(i).3 What the parties dispute is whether the QDRO 3 ERISA defines "qualified domestic relations order" as "a domestic relations order ... which creates or recognizes the existence of an alternate payee's right t o , or assigns to an alternate payee the right t o , receive all or a portion of the benefits payable with respect to a participant under a plan," and which also meets certain other requirements -- not disputed here -- set forth at 29 U.S.C. § 1056(3)(C) and ( D ) . Id.; see also id. at § 1056(d)(3)(B)(ii) (defining "domestic relations order"). On”
Source and provenance
- Source type
- courtlistener_qdro_opinion_full_text
- Permissions posture
- public
- Generated status
- machine draft public v0
- Review status
- gold label pending
- Jurisdiction metadata
- US
- Deterministic extraction
- reporter: 392 F.3d 1
- Generated at
- May 14, 2026
Related public corpus pages
Deterministic links based on shared title/citation terms and QDRO / retirement / family-law retrieval scores.
Clean opinion text
Metropolitan Life v . Hanson, et a l . CV-08-248-JL 10/1/09
UNITED STATES DISTRICT COURT
DISTRICT OF NEW HAMPSHIRE
Metropolitan Life Insurance C o .
v. Civil N o . 08-cv-248-JL
Opinion N o . 2009 DNH 146
Judith A . Hanson, et a l .
MEMORANDUM ORDER
This interpleader action involving the proceeds of a life
insurance policy presents a question of statutory interpretation:
whether the qualified domestic relations order ("QDRO") exception
to ERISA's pre-emption provision applies to welfare benefit plans
such as life insurance policies, or only to pension plans.
Metropolitan Life Insurance Company ("MetLife") initiated this
interpleader complaint to resolve competing claims to life
insurance benefits under an employee welfare benefit plan
established and maintained by General Electric Company for its
employee, decedent William J. Hanson. Two of the three
interpleader defendants have cross-moved for summary judgment,
each claiming entitlement to the insurance benefits as a matter
of law.
This court has subject matter jurisdiction over this
interpleader action under 28 U.S.C. § 1331 (federal question), 29
U.S.C. § 1132(e)(1) (federal question -- ERISA), 28 U.S.C. § 1335
(interpleader defendant diversity), and Federal Rule of Civil
Procedure 22 (interpleader diversity). After oral argument,
summary judgment is granted in favor of interpleader defendants
Christina L . Hogan, William S . Hanson, and Jill E . Hanson, the
children from decedent William J. Hanson's first marriage. As
explained below, the clear, unambiguous language of the relevant
ERISA provisions establishes that the QDRO exception to ERISA
pre-emption applies not only to pension plans, but also to
welfare benefit plans such as the life insurance policy at issue
here.
I. Applicable legal standard
Summary judgment is appropriate where the "pleadings, the
discovery and the disclosure materials on file, and any
affidavits show that there is no genuine issue as to any material
fact and that the movant is entitled to judgment as a matter of
law." Fed. R. Civ. P. 56(c). Two of the three interpleader
defendants have moved for summary judgment.1 "Cross-motions
simply require [the court] to determine whether either of the
1
A third claimant, Janet M . Clauser, neither moved for
summary judgment nor objected to either of the other parties'
motions. At oral argument, M s . Clauser's counsel conceded that
Clauser had no claim to the insurance benefits and supported the
legal position advanced by the children from decedent William J.
Hanson's first marriage.
2
parties deserves judgment as a matter of law on facts that are
not disputed." Littlefield v . Acadia Ins. Co., 392 F.3d 1 , 6
(1st Cir. 2004) (quotation omitted).
II. Background
William J. Hanson worked for General Electric as a jet
engine mechanic. In 1966, he enrolled in a group insurance
benefit plan provided by MetLife for the benefit of General
Electric employees. The plan included group life insurance
coverage. At the time, William and his wife Phyllis had three
children ("Phyllis' children"). William and Phyllis divorced in
1980, and their divorce decree adopted their agreement that the
MetLife insurance policy be maintained for the benefit of Phyllis
and their children. Phyllis' children are the first group of
interpleader claimants.
William remarried, and he and his second wife, Janet
Clauser, also had three children. William and Janet divorced in
1995, and William this time agreed that the same life insurance
policy would be maintained for the benefit of Janet and her
children. William executed a beneficiary designation form with
the General Electric "enrollment center" notifying MetLife and
naming Janet as beneficiary under the policy. Janet Clauser is
the second interpleader claimant.
3
The following year, William remarried, this time to Judith
Rideout. He again changed the beneficiary designation of the
MetLife policy, this time naming Judith. When William and Judith
divorced in 2002, the stipulation adopted in their divorce decree
awarded each of them "any and all life insurance policies owned
by that party, free and clear of any right, title or interest of
the other." William never further modified the policy, and
Judith Rideout, the named beneficiary, is the third interpleader
claimant.
William died in 2005, survived by all three of his former
wives, and all six of his children. The MetLife insurance policy
remained in effect and unencumbered. Faced with the competing
claims of Phyllis' children, Clauser, and Rideout, MetLife filed
this interpleader action, asking the court to resolve the
competing claims.
III. Analysis
The material facts are not in dispute. The only dispute is
one of statutory interpretation: whether the determination of
the proper beneficiaries of the Hanson insurance policy is
governed by the Employees Retirement Income Security Act (ERISA),
29 U.S.C. § 1001 et seq., or by state law. If ERISA governs,
then state domestic relations law is pre-empted and Hanson's
4
third wife, Judith Rideout, is the proper beneficiary as the
named beneficiary of the policy. See 29 U.S.C. § 1144(a). But
if ERISA does not apply because the 1980 divorce decree
dissolving the William Hanson-Phyllis Hanson marriage is exempt
from ERISA's pre-emption provision as a qualified domestic
relations order, then Phyllis' children are the proper
beneficiaries. See id. at § 1144(b)(7).
ERISA pre-empts state laws that "relate to" employee
benefits plans. Id. at § 1144(a) (stating that "the provisions
of this subchapter and subchapter III of this chapter shall
supersede any and all State laws insofar as they may now or
hereafter relate to any employee benefit plan described in"
ERISA). This provision establishes a broad area of exclusively
federal concern pre-empting state law claims that "relate to" an
employee benefit plan. See FMC Corp. v . Holliday, 498 U.S. 5 2 ,
58 (1990).
ERISA's "anti-alienation" provision requires that "[e]ach
pension plan shall provide that benefits provided under the plan
may not be assigned or alienated." 29 U.S.C. § 1056(d)(1).
ERISA was amended by the Retirement Equity Act of 1984 (REA), 2
however, to provide that this prohibition on alienation and
2
Pub. L. 98-397, 98 Stat. 1426.
5
assignment of pension benefits "shall not apply if the order is
determined to be a qualified domestic relations order. Each
pension plan shall provide for the payment of benefits in
accordance with the applicable requirements of any qualified
domestic relations order." Id. at § 1056(d)(3)(A). The REA also
added a provision exempting qualified domestic relations orders
from the ERISA pre-emption provision. Id. at § 1144(b)(7).
Thus, qualified domestic relations orders, or QDROs, are
expressly exempted from ERISA's pre-emption and anti-alienation
provisions.
The parties agree that Hanson's life insurance policy,
issued by MetLife under a benefits package provided by General
Electric, is a "welfare plan" within the meaning o f , and governed
by, ERISA. 29 U.S.C. § 1002(1). They further agree that the
1980 divorce decree dissolving William and Phyllis Hanson's
marriage is a qualified domestic relations order. Id. at §
1056(d)(3)(B)(i).3 What the parties dispute is whether the QDRO
3
ERISA defines "qualified domestic relations order" as "a
domestic relations order ... which creates or recognizes the
existence of an alternate payee's right t o , or assigns to an
alternate payee the right t o , receive all or a portion of the
benefits payable with respect to a participant under a plan," and
which also meets certain other requirements -- not disputed here
-- set forth at 29 U.S.C. § 1056(3)(C) and ( D ) . Id.; see also
id. at § 1056(d)(3)(B)(ii) (defining "domestic relations order").
One of those other requirements–-specifically, that a domestic
relations order may not override a prior QDRO--is what
6
exceptions to ERISA pre-emption applies to both pension plans and
welfare plans (like the Hanson insurance policy), or applies only
to pension plans. Although not yet definitively answered in this
circuit, this court agrees with the observation of the Second
Circuit Court of Appeals: "The answer to this question is clear
from the face of the statute." Metro. Life Ins. C o . v . Bigelow,
283 F.3d 436, 440 n.3 (2d Cir. 2002).
Unlike ERISA's anti-alienation provision, which applies only
to pension plans, see 29 U.S.C. § 1056(d)(1) ("Each pension plan
shall provide that benefits provided under the plan may not be
assigned or alienated.") (emphasis added), the general ERISA pre-
emption provision and the specific provision that exempts QDROs
from pre-emption contain no such limitation. See id. at §
1144(a) (pre-empting "any or all State laws, insofar as they may
now or hereafter relate to any employee benefit plan described
in" ERISA) (emphasis added); id. at § 1144(b)(7) (stating that
the pre-emption provision shall not apply to QDROs, as defined in
the anti-alienation provision). Our court of appeals has
expressly recognized this statutory distinction. See Barrs v .
Lockheed Martin Corp., 287 F.3d 2 0 2 , 209 n.7 (1st Cir. 2002)
("Unlike the exception to the assignment ban, the exception to
disqualifies Janet Clauser's 1995 divorce decree as a possible
basis for awarding her the benefits. Id. at § 1056(3)(D)(iii)
7
the preemption provision is not literally limited to pension
plans."). Stated conversely, the exemption of qualified domestic
relations orders from ERISA pre-emption is set forth not in the
section of the statute that defines those orders, § 1056(d), but
rather in the general pre-emption provision, § 1144. That
provision, in turn, applies to both welfare and pension plans.
Judith Rideout argues that because the provision exempting
QDROs from ERISA pre-emption, 29 U.S.C. § 1147(b)(7),
incorporates by reference the definition of a QDRO that appears
in the anti-alienation provision, id. at § 1056(d)(3)(B)(i), it
must therefore be limited, as the anti-alienation provision i s ,
to pension plans. But the plain language of the QDRO definition
refers to "a plan," not just a pension plan. Id.; see also
Barrs, 287 F.3d at 209 n.7. The overwhelming weight of authority
supports the interpretation dictated by the statute's plain
meaning: that the QDRO exception to ERISA pre-emption applies to
both pension plans and welfare benefit plans. See Metro. Life
Ins. C o . v . Price, 501 F.3d 2 7 1 , 275 n.2 (3d Cir. 2007); Bigelow,
283 F.3d at 440 n.3; Metro. Life Ins. C o . v . Pettit, 164 F.3d
857, 863 n.5 (4th Cir. 1998); Metro. Life Ins. C o . v . Marsh, 119
F.3d 415, 421 (6th Cir. 1997); Metro. Life Ins. Co., v . Wheaton,
42 F.3d 1080, 1083-84 (7th Cir. 1994); Carland v . Metro. Life
Ins. Co., 935 F.2d 1114, 1119-20 (10th Cir. 1991); see also J.
8
Jorden, W . Pflepsen & S . Goldberg, Handbook on ERISA Litigation,
§ 5.05[D] at 5-110 n.417 ("The QDRO exception to ERISA's
preemption provision applies to both welfare and pension
plans."). While our court of appeals has not squarely addressed
the issue, it has cited Pettit, Marsh, Wheaton and Carland with
approval, stating that "we see no obvious reason why we would
depart from the prevailing view." Barrs, 287 F.3d at 209 n.7.
"The preeminent canon of statutory interpretation requires
[courts] to presume that the legislature says in a statute what
it means and means in a statute what it says there." BedRoc
Ltd., LLC v . United States, 541 U.S. 176, 183 (2004) (quotation
omitted). Thus, the court's inquiry in a statutory
interpretation case "begins with the statutory text, and ends
there as well if the text is unambiguous." Id.; see also Ruiz v .
Bally Total Fitness Holding Corp., 496 F.3d 1 , 8 (1st Cir. 2007)
(explaining that where the statutory "language is clear and
unambiguous, the inquiry is at an end"). This same reasoning
precludes the consideration of other interpretive aids, such as
the presidential signing statement issued by President Ronald
Reagan upon the Retirement Equity Act's enactment,4 proffered by
claimant Judith Rideout at oral argument, and her argument,
4
Statement on Signing the Retirement Equity Act of 1984, 20
Weekly Comp. of Pres. Doc. 35 (1984).
9
citing the Supreme Court's recent opinion in Kennedy v . Plan
Adm'r for DuPont Sav. & Inv. Plan, 129 S . C t . 865 (2009), that
application of the QDRO exception to welfare plans is
inconsistent with Congressional intent.5 Even if it were this
court's business to ascertain Congress' purpose in enacting
legislation, rather than the meaning of the legislation itself,
this court "cannot understand why, if a qualified domestic
relations order can override the designation of beneficiary in a
pension plan, as Congress in the Retirement Equity Act decided
that it can, Congress would not have allowed such an order to
override the designation of beneficiary in a welfare plan" such
as the Hanson insurance policy. See Wheaton, 42 F. 3d at 1083.
IV. Conclusion
The motion for summary judgment filed by Phyllis' children6
is GRANTED, and Judith Rideout's motion for summary judgment7 is
DENIED. The interpleader defendants other than Phyllis' children
are ordered to show cause (if such cause exists), through the
5
The court notes that in Kennedy, "the QDRO provisions shed
no light on" the issue being decided, which involved the
applicability of ERISA's anti-alienation provision to a non-QDRO
waiver. Id. at 873.
6
Document n o . 2 9 .
7
Document n o . 3 2 .
10
filing of a memorandum within 14 days from the date of this order
why the entire proceeds of the Hanson insurance policy on deposit
with the court should not issue to interpleader defendants
Christina L . Hogan, William S . Hanson, and Jill E . Hanson.
SO ORDERED.
Joseph N. Laplante
Uni/ted States District Judge
Dated: October 1 , 2009
cc: William D. Pandolph, Esq.
Jeanne P. Herrick, Esq.
Jackson W . Casey, Esq.
Jonathan A . Lax, Esq.
Patrick M . McAvoy, Esq.
11