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Legal, pensions and money

Spousal maintenance to husband in retirement

(53 Posts)
Heartandhome Sun 28-Feb-21 16:44:24

Experience and advice please-sorry a lot of background here

Perhaps unusual as other way round for most people I suspect

About to go to solicitor to kick off divorce. All financial information available and open to both of us. We are both retired and receiving pensions. Stbexh has both occupational pension and state. I have my occupational pension but not state pension for another 9 years

My total current pensions are roughly 60% more than his. This has arisen because he was not working for last 15 years pre retirement and prior to that in and out of work. I had to ( it wasn’t a choice) to work extremely hard full time to support us and our 2 kids ( no longer dependant and left home). The reason he did not work was nominally difficulties due to mental illness. However, he took many actions/ failed to take actions that led to his precarious career. This included long periods of applying for jobs he was not qualified for/ had experience, being fired for performance issues, being summarily dismissed for threatening behaviour. He refused to apply for more basic roles he could have done with his condition limitations. At times he also refused to sign onto social support meaning he did not even get benefits or NI record (we paid a lump sum just before het retired to make this up to get his max state pension). He also sold a gold plated defined benefit pension to a personal pot years ago without discussion which means he lost about £4500 guaranteed pension income ( ok, I know a lot of FPS were persuaded to do this is 1990, but I had same company ensign scheme and did not because of risk). There were occasional when we really struggled financially, we could afford very few luxuries such as any family holidays, and at times even went into a small amount of debt. So in short he made unilateral decisions about his career and future security that were at the time detrimental to us as a family and impacted his now pension income.

We now have a very healthy set of assets ( due to inheritances mainly in last 5 years and reduced outgoings due to kids leaving home) and I am in a very fortunate situation compared with many others. A straight 50:50 split will be enough for us each to buy a modest home outright and still having some healthy savings, plus be very even handed about allocating costs to cover divorce and setting us both up with new lives.

My concern is that he and his solicitor will put a claim in for spousal support and I will end up having to support him still by supplementing his pension income by taking out of my income or a settlement out of assets giving him a higher share. His pensions amount to about £14000 per year post tax, mine in the mid £20k.

I feel this would be totally unreasonable

All my salary went into our joint account but was the only income and I single handily supported the entire family for years and years. It was not a choice I made, it wasn’t needed for childcare or supporting my career ( I actually had to be his carer as well as work full time from 2008). I could not save into additional voluntary contributions to boost my own pension as there was no spare income due to him not working.

I will add he has a higher level education than me ( post grad) and when we married was on a salary twice mine ( as was also 9 years older) for first year before it all went belly up. If he had worked even part time or at more basic jobs his pensions would have been higher. If he had not got into conflict in work he would not have lost jobs in the first place.

I feel like I have already paid the price of his behaviour on how we lived when I was sole breadwinner and was earning. I am struggling at thought I would have to do this for the rest of my life after divorce

I am divorcing him on grounds of unreasonable behaviour- he now refuses medication, which is his right, but he lied repeatedly about it and we both know that unmedicated we cannot live together as there are safe guarding issues for me (and anyone else he gets in to conflict with)

Anyone know what likely outcome would be if he decided to fight me all the way to court?

Please can I ask that folks don’t jump on a band wagon of me being “entitled” or “privileged”. I had to retire early due to my own ill health bought on by dealing with this for years. I have effectively been sole breadwinner, single parent and carer. At times I have dealt with abusive behaviour due to mental health service short falls. It has been miserable. I am on anti anxiety meds for years. I’ve finally decided after 30 years, that marriage vows or not I cannot continue and maintain my own mental well-being.

Ro60 Sun 28-Feb-21 23:00:31

Congratulations on making that first hard decision. Hopefully your solicitor will do a good job for you.
Maybe even show this text above. I had to pay my OH 25k - a smaller portion than he could have claimed - my solicitor recommended this. Much better than half-time but in some ways more than he deserved.
Hopefully other GNs will come up with more info.
What ever happens here's to the start of your new life. I've no regrets with our split & I've found I've gained confidence too.
Best wishes ?

sodapop Mon 01-Mar-21 08:37:50

I agree with Smileless if you can reach an amicable settlement without too much legal input it would be so much better. I used up a lot of money chasing my ex for a fair settlement.
It will be worth it in the end Heartandhome when you can have a happy and peaceful life, probably financially less well off but in terms of peace of mind priceless.

Madgran77 Mon 01-Mar-21 08:39:48

Go to a solicitor with experience of divorce/a divorce department. . Check re fees etc if paying too much worries you. But pay for an hour of time to get proper legal advice on the while situation you have written down on here. That way you can understand exactly what your legal position is. Conjecture from various sources wont help you. Good luck

Polarbear2 Mon 01-Mar-21 08:56:10

I’m with the agree it between you and avoid solicitors group. My ex and I sat down and worked out a 50:50 split. I could’ve gone for more - so could he - but the resulting bitterness would have lasted far longer than any pleasure at getting ‘more’. It’s just money. You are in a great position to live your new life. Draw a line, give him what he’s entitled to (sorry he is) and move on. Your life will be happier and the bad part of divorce will be over sooner. I had friends who went to a solicitor and it took years of wrangling and cost thousands. They were no better off at the end of it but hated each other. We’re not young enough to spend years wrangling. I’d recommend to cut your losses and move on. I wish you every happiness. There’s a big life out there waiting for you.

Liljan Mon 01-Mar-21 09:51:29

So sorry to hear of the very unfair situation you find yourself in. Unfortunately Solicitors will neither do what is morally or ethically right but will do what is legally right. Is it possible that your adult children would be able to persuade him to part ways with what he himself has accrued and not go down the legal route...Of course you may not want them to get involved. Wishing you all the very best.

FlexibleFriend Mon 01-Mar-21 09:59:04

I think most of what you posted is irrelevant, it's obviously important to you but the courts wont care. sorry, fact. The starting point for all division of assets including the marital home is 50 / 50 and then it's worked out from there to equalise your assets. Spousal support is a thing of the past. You need to talk to a solicitor asap to get the facts.

Peasblossom Mon 01-Mar-21 10:17:55

I’m a bit nonplussed at so many people saying don’t get involved with solicitors. A solicitor will give advice and act in the best interests of her client. I agree a moral view doesn’t come into it. After all, everyone has a different view on what is morally right.

A good solicitor will give you a long term view of all the implications of different scenarios and decisions and then tie it up so it can’t be questioned later. Too many people think they have sorted things amicably and then months or years down the line, circumstances change, the ex-partner claims their legal rights and there’s nothing to be done. Another friend lost half her pension after an amicable arrangement with no legal financial settlement, when his second marriage failed.

I think in most cases it’s still women who want to keep everything nice and friendly and often give way to their disadvantage, to avoid conflict.

Polarbear2 Mon 01-Mar-21 10:30:48

Oh yes Peasblossom you’re right. I forgot to say once agreed get a financial agreement signed. What I meant was don’t go the whole route. Just my thoughts of course. You know what’s best for you and your situation.

Peasblossom Mon 01-Mar-21 10:40:02

I do sort of agree with you too Polarbear, about the wrangling and just moving on with life. I walked away once in my youth with nothing and don’t regret it one bit. It was just a blip, and didn’t affect my future, if you see what I mean.

It’s a bit different at the other end of your working life, I think.

I’m not so nicey now?

Heartandhome Mon 01-Mar-21 12:38:19

FlexibleFriend

I think most of what you posted is irrelevant, it's obviously important to you but the courts wont care. sorry, fact. The starting point for all division of assets including the marital home is 50 / 50 and then it's worked out from there to equalise your assets. Spousal support is a thing of the past. You need to talk to a solicitor asap to get the facts.

I’m not disputing 50 50 split of assets. Completely agree

It is having to pay him spousal maintenance form my monthly pension for the rest of my life to equalise our pension income.
Given he has pensions in his own right that will give him around £14-16k post tax.
I don’t want to still have contact with him to pay him every month aside form anything else.

Heartandhome Mon 01-Mar-21 12:40:43

And as I said earlier those assets are enough to split and buy a modest house each and still have savings left over and cover divorce costs etc.
He won’t be struggling.

Heartandhome Mon 01-Mar-21 12:43:14

I’ve been reading more and found something that spousal maintenance is appropriate to cover his needs but balanced with encouraging the partner to support themselves as soon as possible ( e.g if he was working age it would be say 3-5 years with expectations he would find work to support himself). That obviously doesn’t apply here but surely no court is going to make me pay him an income for the rest of his life so I am saddled with having to keep in contact

Heartandhome Mon 01-Mar-21 12:46:23

We’ve got a budget right now, his pensions cover 50% of that budget right now. Surely that meets his needs

Polarbear2 Mon 01-Mar-21 12:46:56

Hmm. I’d prefer a clean break if I were you. Can you offer him a lump sum on the condition he then agrees clean break?? Sorry if I’m misunderstanding you.

Iam64 Mon 01-Mar-21 13:07:33

Find a solicitor who specialises in private, family law. Google will be your friend, you can then search for client reviews of the solicitors who stand out to you.
You want an experienced fighter. The first interview will confirm or not whether you instruct that lawyer. You’re right to want full and final settlement. The fact you has to support him because he wasn’t cooperative with meds should help. Best of luck

SparklyGrandma Mon 01-Mar-21 13:14:23

Sad to say, he may have encountered discrimination when applying for jobs. People with severe mental illness face this.
Employers do not want to employ people with mental illness.

Heartandhome Mon 01-Mar-21 13:23:53

SparklyGrandma

Sad to say, he may have encountered discrimination when applying for jobs. People with severe mental illness face this.
Employers do not want to employ people with mental illness.

No he wasn’t discriminated against. . He wasn’t diagnosed until he was 50. The reason he was not diagnosed was that he was very apt at managing the symptoms. No one knew.. even the day before he was diagnosed with psychotic illness, his gp sent him away without diagnosing anything amiss.
He didn’t get jobs because he had no references and was dismissed for gross misconduct ( he threatened a colleague and was squaring up to hit him) or refusing to do tasks that were part of his contract, or lying on his CV applications to get roles that he could not do so was fired for performance issues. He spent most of his time applying for “ big” jobs with 6 figure Salaries despite having no experience in that field and way above any skills or level he worked at. He would not apply for work he could do- considered it was beneath him and unfair of me to be asking him to just contribute some income for his family

Sorry, but that wound me up...?

GillT57 Mon 01-Mar-21 13:26:20

Get a good solicitor, but accept that you may have to pay him more than you think is 'fair'. But, if this was the other way around, and you were a man who had supported his family, with a wife who had been unable to work due to mental health issues, the courts would be likely to make a financial maintenance award of some sort. This may not be useful, but your gender is irrelevant, you are a spouse, not a wife or a husband. Sorry, if clumsily put, but hopefully you can make out what I am trying to say! Don't mess about with CAB who are inundated with people who cannot afford to pay for legal advice; get a divorce solicitor, get it sorted and signed, and move on.

Heartandhome Mon 01-Mar-21 13:29:18

SparklyGrandma

Sad to say, he may have encountered discrimination when applying for jobs. People with severe mental illness face this.
Employers do not want to employ people with mental illness.

Sorry, just had a frenzy moment...what I should have said was I know that is true...but not for him
Diagnosis came 6 years after he had given up trying to find work entirely. No one knew when he was working or applying. Not me, not medics. I knew there was something wrong and I was at receiving end of it. But it simply did not fit typical patterns of psychotic illnesses. He came across as nice as pie one moment, then agressive, hostile and belligerent .

GillT57 Mon 01-Mar-21 13:37:27

The details you have given of your husband's erratic behaviour make it even more imperative that you consult a solicitor, get it all in writing, signed and sealed as there looks as if there is potential for him to lie, obfuscate and generally go back on any informal agreements you may think you have both agreed to.

Heartandhome Mon 01-Mar-21 13:40:54

GillT57

Get a good solicitor, but accept that you may have to pay him more than you think is 'fair'. But, if this was the other way around, and you were a man who had supported his family, with a wife who had been unable to work due to mental health issues, the courts would be likely to make a financial maintenance award of some sort. This may not be useful, but your gender is irrelevant, you are a spouse, not a wife or a husband. Sorry, if clumsily put, but hopefully you can make out what I am trying to say! Don't mess about with CAB who are inundated with people who cannot afford to pay for legal advice; get a divorce solicitor, get it sorted and signed, and move on.

? I’m not making any gendered assumptions here! That’s the whole point of the post.
If it were the other way around and I was being divorced becuase I had d3cidedcthat not taking meds was more important than saving my marriage, and receiving 50% of heathy assets, a reasonable pension in my own right and had not worked for a huge proportion of my working life without agreement from him to suppport me, I’d actually think I’d done quite well and wouldn’t want to claim his pension income

GillT57 Mon 01-Mar-21 13:53:05

I hope I didn't offend Heartandhome, maybe just clumsy in how I tried to get my view across! I’d actually think I’d done quite well and wouldn’t want to claim his pension income, yes but the point is, you are fair about this situation, and by your own definition, your husband is not rational or fair.

Iam64 Mon 01-Mar-21 13:56:39

Heartandhome, a friend has been through similar separation experiences. Stand your ground. You shouldn’t end up losing out because you stuck with him for so long

Heartandhome Mon 01-Mar-21 14:20:17

GillT57

I hope I didn't offend Heartandhome, maybe just clumsy in how I tried to get my view across! I’d actually think I’d done quite well and wouldn’t want to claim his pension income, yes but the point is, you are fair about this situation, and by your own definition, your husband is not rational or fair.

No you didn’t rally, just I’m worn out with it all....

Heartandhome Mon 01-Mar-21 14:22:16

Iam64

Heartandhome, a friend has been through similar separation experiences. Stand your ground. You shouldn’t end up losing out because you stuck with him for so long

Yes, it’s what I feel like..I stuck with him because he was trying to get help and even though now we are better off he could get to walk away with me continuing to provide financially for him..it feels like I will never be free