If your husband's retirement account is a qualified retirement plan subject to ERISA (such as 401(k) plan), the plan administrator will require a qualified domestic relations order (QDRO) to properly distribute to the employee participant and the former spouse. You have to consider tax consequences of distribution from a retirement account. With a QDRO, there is no recognition of income and no 20% withholding provided you transfer or roll-over your QDRO distribution to an IRA, individual retirement annuity, a qualified plan, etc. within 60 days of distribution.
For informational purposes only; no atty-client relationship created.