¶1 When members of the Public Employees Retirement Association (“PERA”) apply for retirement, they can choose between three options for benefit distribution. See § 24-51-801(1)(a)-(c), C.R.S. (2021). Option 1 results in a higher monthly benefit payment, but when the retiree dies, the monthly payments cease. § 24-51-801(1)(a). Options 2 and 3 result in a lower monthly benefit payment during the retirees life, but when the retiree dies, the retirees named cobeneficiary continues to receive monthly payments. § 24-51-801(1)(b), (c).
¶2 Generally, a retirees option choice is final. See § 24-51-802(1), C.R.S. (2021). However, retirees who are party to a dissolution of marriage action are afforded a narrow exception to this rule. See § 24-51-802(3.8). Pursuant to section 24-51-802(3.8), if a retiree chose either option 2 or 3 at retirement and the retirees then-spouse was named cobeneficiary, “the court shall have the jurisdiction to order or allow [the] retiree ․ to remove the spouse that was named cobeneficiary ․ in which case an option 1 benefit shall become payable.”
¶3 In this case, we consider whether section 24-51-802(3.8) empowers a divorcing retiree to unilaterally remove a former spouse as named cobeneficiary and convert
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to option 1 retirement benefits. Assuming without deciding that this issue is adequately preserved for appeal, we answer this question in the negative. Instead, applying the statutes plain language, we hold that section 24-51-802(3.8) vests the trial court, not the retiree, with the authority to remove the former spouse as cobeneficiary and facilitate a conversion to option 1. Therefore, we affirm the judgment of the court of appeals, albeit on different grounds.
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I. Facts and Procedural History
¶4 Robert Mack (“Husband”) and Deborah Mack (“Wife”) were married in 1987. Shortly after the two married, Husband began working for the City of Colorado Springs. Throughout the marriage, Husband contributed to his retirement account through his PERA plan.
¶5 When Husband retired in 2012, the parties were still married. At that time Husband was able to choose between three retirement benefit option plans. See § 24-51-801(1)(a)-(c). Option 1 pays the retiree a monthly benefit for the retirees lifetime and, upon the retirees death, the payments cease. § 24-51-801(1)(a). Option 2 pays the retiree a monthly benefit for the retirees lifetime and, upon the retirees death, half of the monthly benefit payment then becomes payable to the retirees named cobeneficiary for life. § 24-51-801(1)(b). Option 3 is similar to option 2, but upon the retirees death, the entire monthly benefit payment becomes payable to the named cobeneficiary for life. § 24-51-801(1)(c). Because options 2 and 3 provide for the cobeneficiary to receive benefits in the event of the retirees death, a retiree who chooses option 2 or 3 receives less money each month than a retiree who chooses option 1. See § 24-51-801(2) (“Options 2 and 3 shall be the actuarial equivalent of option 1.”). Husband chose an option 3 benefit plan and named Wife as his cobeneficiary.
¶6 In 2018, Wife petitioned for dissolution of the marriage. The case proceeded to a permanent orders hearing, wherein Husband and Wife contested, inter alia, how to divide the PERA retirement benefits. Although he cited no supporting statutory authority, Husband requested that Wife be removed as cobeneficiary and that his plan convert to an option 1 benefit plan.
¶7 The district court rejected Husbands request. Instead, the court determined that Husbands PERA account was marital property and that it must be equitably divided between Husband and Wife. In so doing, the court ordered that Wife remain an option 3 beneficiary on the account. Then, complying with the courts order and pursuant to section 14-10-113(6)(f), C.R.S. (2021)—which requires that the parties in a dissolution of marriage action execute a “written agreement” to authorize the courts division of public employment benefits—Husband and Wife executed a document specifying that Husband was not allowed to remove Wife as cobeneficiary on the account and that they would split Husbands monthly benefit payments equally.
¶8 Husband subsequently moved for post-trial relief, asserting that the courts decision was unfair because his monthly benefit payments under option 3 were hundreds of dollars less than they would be under option 1. After Wife responded, Husband replied with a new argument. Specifically, Husband cited section 24-51-802(3.8), which provides that, in a dissolution of marriage action, “the court shall have the jurisdiction to order or allow [the] retiree ․ to remove the spouse that was named cobeneficiary by the retiree at retirement, in which case an option 1 benefit shall become payable.” Husband argued that this statute gave him an “absolute right” to unilaterally remove Wife as his cobeneficiary and to convert his benefit plan to option 1. The district court denied the motion, finding that Husband “fail[ed] to state any basis to amend the Courts judgement other than his disagreement with the result,” and that it had “already considered these arguments.”
¶9 Husband appealed, and a unanimous division of the court of appeals affirmed in an unpublished opinion. In re Marriage of Mack, No. 19CA1816, ¶ 1, 2020 WL 7407202 (Dec. 10, 2020). The division held that Husband had failed to preserve his “absolute right” argument under section 24-51-802(3.8) because he had not raised it until his reply in support of his post-trial motion. Id. at ¶¶ 27–28. Thus, the division declined to interpret the statute. Id. at ¶ 28.
¶10 We granted certiorari
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and now affirm the division on different grounds.
II. Analysis
¶11 We begin by assuming, without deciding, that the issue of statutory interpretation is preserved. We then discuss the applicable standard of review and rules of statutory construction. Finally, we analyze section 24-51-802(3.8), and, applying the statutes plain language, we hold that it vests the trial court, not the retiree, with the authority to remove the former spouse as cobeneficiary and facilitate a conversion to option 1.
A. Issue Preservation
¶12 Usually, “issues not raised in or decided by a lower court will not be addressed for the first time on appeal.” Glover v. Serratoga Falls LLC, 2021 CO 77, ¶ 26, 498 P.3d 1106, 1114 (quoting United Water & Sanitation Dist. ex rel. United Water Acquisition Project Water Activity Enter. v. Burlington Ditch Reservoir & Land Co., 2020 CO 80, ¶ 37, 476 P.3d 341, 350). But because we conclude that Husbands statutory argument is unavailing, we need not decide whether he preserved the issue for appeal.
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Therefore, we simply assume that Husband preserved his argument and now address its merits.
B. Interpreting Section 24-51-802(3.8)
1. Standard of Review and Rules of Statutory Construction
¶13 We review questions of statutory interpretation de novo. Justus v. State, 2014 CO 75, ¶ 17, 336 P.3d 202, 208. In construing a statute, our goal “is to give effect to legislative intent.” Johnson v. Sch. Dist. No. 1, 2018 CO 17, ¶ 11, 413 P.3d 711, 715. Therefore, we examine “the entire statutory scheme to give consistent, harmonious, and sensible effect to all parts[,]” and we apply “words and phrases according to their plain and ordinary meaning.” Vallagio at Inverness Residential Condo. Assn v. Metro. Homes, Inc., 2017 CO 69, ¶ 16, 395 P.3d 788, 792 (quoting Pulte Home Corp. v. Countryside Cmty. Assn, Inc., 2016 CO 64, ¶ 24, 382 P.3d 821, 826).
¶14 When the statutory language is clear, we must enforce it as written. Id. Only if the language is ambiguous may we resort to other tools of statutory construction. Munoz v. Am. Fam. Mut. Ins. Co., 2018 CO 68, ¶ 9, 425 P.3d 1128, 1130.
2. Section 24-51-802(3.8) Vests Power in the Court, Not in the Retiree
¶15 Under section 24-51-802(1), when a retiree chooses a benefit option and designates a cobeneficiary, those choices are final absent some statutory exception. The provision at issue in this case, section 24-51-802(3.8), affords such an exception to section 24-51-802(1)s general rule. As relevant here, section 24-51-802(3.8) provides that, in any dissolution action where the retiree chose either option 2 or 3 benefits and the retirees then-spouse was named cobeneficiary, “the court shall have the jurisdiction to order or allow [the] retiree ․ to remove the spouse that was named cobeneficiary by the retiree at retirement, in which case an option 1 benefit shall become payable.”
¶16 The question here is whether a divorcing retiree can trigger the statutes removal-and-conversion mechanism, or whether that power lies only with the presiding court. Husband contends that the language “the court shall have the jurisdiction to order or allow [the] retiree” to remove the cobeneficiary spouse, id., does not simply enable the court to remove the cobeneficiary but in fact requires the court to do so upon the retirees request. There are four components to Husbands interpretation, none of which we find persuasive.
¶17 First, Husband reads the verbs to “order” and to “allow” as ministerial. He relies on two subsections of Colorados equitable distribution statute, section 14-10-113. The first, subsection (6)(f), mandates that “[a] court shall have no jurisdiction to enter an order dividing a public employee retirement benefit except upon written agreement of the parties.” (Emphasis added.) The second, subsection (6)(c)(II)(G), requires that such a written agreement “provide that the alternate payees rights to payments terminate upon the involuntary termination of benefits payable to the participant,[
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] or upon the death of the alternate payee,[
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] ․ unless the parties agree to elect, or have already elected,” an option “that provides for a cobeneficiary benefit to the alternate payee.” (Emphasis added.)
¶18 To our understanding, Husband views subsection (6)(c)(II)(G)s language as confirmation that the retiree can designate, maintain, or remove the spouse as the cobeneficiary in a dissolution action—as long as the parties fulfill the written agreement requirement of subsection (6)(f). In Husbands view, section 24-51-802(3.8) embraces this scenario when it specifies that a court has the jurisdiction to “allow [the] retiree to remove” the named cobeneficiary. But according to Husband, the word “order” in section 24-51-802(3.8) serves a separate purpose. He argues that “order” addresses the scenario where the parties cannot agree. That is, in his view, the word “order” provides the court with the necessary jurisdiction to remove the spouse as cobeneficiary (over the spouses objection) where the parties do not come to a written agreement as required by subsection (6)(f). And so, under Husbands interpretation, section 24-51-802(3.8) requires the court to carry out the retirees wishes if the retiree wants to remove the spouse as cobeneficiary, even if the spouse does not agree to the arrangement.
¶19 Second, Husband contends that section 24-51-802(3.8) must vest absolute power in the retiree to remove a cobeneficiary spouse because it does not vest any power in the spouse. According to Husband, if the General Assembly did not intend for the statute to confer unilateral decision-making power upon the retiree, it would feature limiting language (i.e., language requiring spousal consent or otherwise enshrining the spouses triggering ability).
¶20 Third, at oral argument, Husband asserted that section 24-51-802(3.8)s use of the word “shall” indicates that the court has only “limited jurisdiction” to either order or allow a change in the cobeneficiary status upon the request of the retiree. In other words, he contended that because “shall” precedes the courts jurisdictional grant—“the court shall have the jurisdiction to order or allow,” id. (emphasis added)—the power to decide the retirees cobeneficiary status in a dissolution action ultimately lies with the retiree, not with the court. Essentially, Husband envisions section 24-51-802(3.8)s jurisdictional language as compulsory: If the retiree asks the court to order or allow a conversion to option 1, the court must—that is, has jurisdiction to—oblige.
¶21 Finally, Husband draws on the legislative history behind section 24-51-802(3.8)s passage. Husband argues that certain testimony before the Senate Finance Committee reveals that the General Assembly intended for the statute to vest the retiree with the right to remove the spouse as cobeneficiary in a dissolution of marriage action.
¶22 To answer the question of whether the retiree has the final authority to remove the spouse as cobeneficiary, we first turn to the plain language of the statute at issue: section 24-51-802(3.8). To begin, section 24-51-802(3.8) provides that “the court shall have the jurisdiction to order or allow” the retiree to remove the cobeneficiary and convert to option 1. “Order” and “allow” are both verbs, each with a distinct definition. According to Merriam-Webster, to “order” means to “command,” https://www.merriam-webster.com/dictionary/order [https://perma.cc/TR99-7DKB], whereas to “allow” means to “permit,” https://www.merriam-webster.com/dictionary/allow [https://perma.cc/BGL9-P988]. And, importantly, both verbs describe the courts jurisdiction. Thus, contrary to Husbands first contention, section 24-51-802(3.8) provides the court with two discrete powers. The first verb—to “order”—ensures that the court can command a change in the cobeneficiary designation over a retirees objection. See § 24-51-802(3.8) (“[T]he court shall have the jurisdiction to order ․ a retiree ․ to remove the [cobeneficiary] spouse.”). The second verb—to “allow”—ensures that the court can permit a retiree to change the cobeneficiary designation and convert to option 1 upon the retirees request, as long as the court has determined that course of action to be appropriate under the circumstances. See id. (“[T]he court shall have the jurisdiction to ․ allow a retiree ․ to remove the [cobeneficiary] spouse.”). In both scenarios, the authority to trigger a shift in cobeneficiary status unambiguously lies with the court, not with the retiree.
¶23 For this reason, Husbands second contention also fails. Husband asserts that because section 24-51-802(3.8) does not give the cobeneficiary spouse the power to unilaterally maintain cobeneficiary status, it must therefore provide the retiree with the unfettered right to remove the spouse as cobeneficiary. Yet, as we have already explained, the statute vests such power in the court, not in the parties. Thus, the absence of language limiting the retirees power is insignificant.
¶24 Husbands third contention fares no better. The word “shall” usually signals a statutory mandate, see Riley v. People, 104 P.3d 218, 221 (Colo. 2004), and in this context, the word simply directs that the trial court must, in fact, have the jurisdiction to effect a change in the cobeneficiary status (either by ordering something or allowing something). If, as Husband urges, section 24-51-802(3.8)s use of “shall” indicated that the court was obligated to do the retirees bidding, the statute would more naturally read, “Upon the retirees request, the court shall enter an order allowing the retiree to remove the former spouse as cobeneficiary and convert to option 1 benefits.” That, of course, is not how the statute reads. Therefore, contrary to Husbands argument, the use of the word “shall” in section 24-51-802(3.8) does not compel the court to carry out the wishes of the retiree. Under the plain language of the statute, while the court has the jurisdiction to grant such a request, it is not required to do so.
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¶25 Finally, because the language of section 24-51-802(3.8) is unambiguous, we need not address Husbands final contention regarding legislative history. See Munoz, ¶ 9, 425 P.3d at 1130 (“Only if the language is ambiguous do we then resort to other interpretive rules of statutory construction; if the language is clear, we apply it as written.”).
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¶26 Thus, while a retiree may request that the court remove the former spouse as cobeneficiary and facilitate a conversion to option 1 benefits, section 24-51-802(3.8) does not obligate the court to carry out the retirees wishes. Instead, applying the plain language of the statute, we hold that section 24-51-802(3.8) vests the trial court, not the retiree, with the authority to remove the former spouse as cobeneficiary and facilitate a conversion to option 1.
III. Conclusion
¶27 For the foregoing reasons, we affirm the judgment of the court of appeals, albeit on other grounds.
FOOTNOTES
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. Although the issues that we granted certiorari to review are framed using the terms “revert” and “reversion,” we find that “convert” and “conversion” are more apropos when referring to the shift to option 1 benefits because such a shift results in an entirely new benefit option choice, not one to which the retiree is returning.
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. The matter need not be remanded because Husband conceded during oral argument that, regardless of this courts ruling regarding benefit option choice, the monthly benefit payments were to be divided equally between Husband and Wife.
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. Specifically, we granted certiorari to review the following issues:1. [REFRAMED] Whether the court of appeals division below erred in concluding that a PERA member waived his argument that he had a right to remove his spouse as a cobeneficiary from his PERA retirement plan and to have the plan revert to a single life benefit option pursuant to section 24-51-802(3.8), C.R.S. (2020).2. [REFRAMED] Whether the district court erred in denying a PERA member the right to remove a cobeneficiary spouse from his PERA retirement plan and in thereby preventing the plans reversion to a single life benefit option pursuant to section 24-51-802(3.8), C.R.S. (2020).
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. Because we assume without deciding that the issue is preserved, we neither reject nor endorse the divisions rationale.
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. Per section 14-10-113(6)(b)(IV), “ ‘[p]articipant’ means the person who is an active, inactive, or retired member of the public employee retirement plan.”
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. Per section 14-10-113(6)(b)(I), an “[a]lternate payee” is:[A] party to a dissolution of marriage, legal separation, or declaration of invalidity action who is not the participant of the public employee retirement plan divided or to be divided but who is married to or was married to the participant and who is to receive, is receiving, or has received all or a portion of the participants retirement benefit by means of a written agreement as described in paragraph (c) of this subsection (6).
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. Husband contends that our interpretation renders the last portion of section 24-51-802(3.8)—which provides that “[t]he retiree may elect option 2 or 3 upon remarriage and designate the spouse as cobeneficiary”—meaningless. Based on the statutes plain language, however, the last portion of the subsection is not an independent right, but rather, a contingent one. Indeed, a remarrying retiree may elect option 2 or 3 and designate the new spouse as cobeneficiary, but only if the trial court previously ordered or allowed the retiree to remove the former spouse as cobeneficiary and prompted a conversion to option 1 benefits. See § 24-51-802(3.8).
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. We note that our reading of section 24-51-802(3.8) is consistent with the legislatures directive that the trial court has “great latitude” to equitably divide marital property. In re Marriage of Hunt, 909 P.2d 525, 537 (Colo. 1995); see also § 14-10-113(1) (“[T]he court ․ shall divide the marital property ․ in such proportions as the court deems just[.]”). Husbands reading of section 24-51-802(3.8)—one that allows a retiree to unilaterally remove the cobeneficiary designee during a dissolution action—would significantly impact the trial courts power to equitably divide assets.
CHIEF JUSTICE BOATRIGHT delivered the Opinion of the Court.