What do I do if my husband refuses to sign papers so I can get my retirement money?

Your husband is entitled to half the retirement money presuming it's earnings during marriage... if he elects not to sign to give you all of his 1/2 of that money, your only course is to negotiate an agreement with him where if he receives some he agrees to release it to you, or file for a Dissolution of Marriage (divorce) and get a judge's order in the dissolution that the husband must sign the release of his interests in your retirement funds.