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AIBU?

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AIBU to want half of the pension after divorce?

1000 replies

DivorcingDebbie25 · 20/09/2026 21:46

Trying to avoid drip feed. Am sixty. Married 40 years. Kids are 40/38. I’ve never really worked. Husband had corporate career. I have been waiting for him to retire for years but it’s become clear that will never happen. He is rarely at home, constantly doing adventure stuff or pursuing his hobby. I’ve given up waiting and I want a divorce. He’s not fought me on it and clearly we are just done. I’ve moved out into rented and he’s paying my rent and expenses- clearing credit card etc.

We are reasonably civil but he says asking for half is ridiculous. He says that the only real assets are his massive pension fund, my smaller one and our house which we will sell. I think he should give me half the value of the pension fund but he says that’s not possible. He says half the house and then we combine the value of the pensions and I get the equivalent of half the income from it. Surely I can just ask for the value and then do what I want with it? It feels very controlling.

I will of course get a lawyer but wanted to check if I’m being unreasonable in asking for my half? What about future income / inheritance etc? Once I’m divorced do I lose all claim on that even though I’ve supported him to earn this money and to see the return on investments that won’t come through for a few years?

OP posts:
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6
thepariscrimefiles · 21/09/2026 17:46

Tigercrane · 21/09/2026 16:00

Where does she mention turning a blind eye though? Really doesn't sound that luxurious either.Only that she vould stay at home longer than most people can.

OP has said:

'I suspect he has had many other women over the years as well. We haven’t had an intimate relationship in a very long time. He’s careful and clever though and I could never prove it. Would it make a difference though?'

She didn't do anything to confirm her suspicions.

Dweetfidilove · 21/09/2026 17:46

AlonsoMosley · 21/09/2026 17:09

I am pretty sure that a lot of the more aggressive and diminishing posts do not come from the female kind...

I really hope so, but I'm not always sure.

There are some women on MN who will have you do a full days work, save for your maternity, fund maternity leave, chain yourself to the kitchen sink when not at work, pay half the bills, fund your own massive pension, be able to afford your own home, and all kinds of hard labour.
Staying at home is absolutely not acceptable (even with the most robust financial provisions and protections).

And when your partner leaves, you shouldn't expect cooperative parenting and absolutely no / the very minimum of child support (to be stopped or reduced as soon as someone else needs him to feed/house their children).

JHound · 21/09/2026 17:44

Somethinggg · 21/09/2026 17:42

Yep. There is a revealed preference here from DH. This is how he's chosen to conduct his life.

Yep people here suggesting he was being screwed over seem to think this was a model forced on him. Instead of a set-up they both preferred.

JHound · 21/09/2026 17:43

OutOfTheOtherSide · 21/09/2026 08:15

I appreciate this thread is a fishing trip (a very successful one!) but it really does highlight how ridiculous our divorce laws are. It's fucking disgraceful that a spouse can do fuck all, particularly when the kids are school age or grown up, and still have a claim on their spouse's pension. We really need to create some better balance. I think it's time to stop all of this 50/50 split bollox which will encourage couples to plan and agree their own financial plans from the offset so that one can't screw over the other if the relationship does break down.

They’re not ridiculous just because the feminists of mumsnet want society to reflect their preferred family structure.

Lots of families find it far easier to have a traditional split where one focuses on paid labour and the other unpaid labour. Why should marriage laws be restructured because you think mothers (and sometimes fathers) should be forced out of the home? If they are merely two independent people what point marriage?

PyongyangKipperbang · 21/09/2026 17:42

walrushurricane · 21/09/2026 17:32

State-funded nursery schools and universal pre-school education were rare during the 60s and 70s.

I agree. I was born in 73 and mum couldnt go back to work until we were at school as there was no childcare locally. There were a very small number of child minders but that was it. Either it was family or if you had money, a nanny or mothers help.

I do think a lot of it depends on where you lived too. I know around here being a SAHM/housewife was not at all unusual in 1980's. There very much was the same attitude that the OP's husband had, having a wife who stayed at home after the kids started school shows how successful they are as a couple and was a status symbol. There is a woman my mother knows from church who takes great pride in making sure everyone knows that she didnt have to work. She is about the same age as my mother, so mid 70's.

Somethinggg · 21/09/2026 17:42

walrushurricane · 21/09/2026 17:39

Quite. If he didn't like the setup he could have divorced op years agoand kept the last 20 years of his pension.

Yep. There is a revealed preference here from DH. This is how he's chosen to conduct his life.

walrushurricane · 21/09/2026 17:39

JHound · 21/09/2026 17:32

Why should she have been working outside the home if both parties prefer the set-up they had? You know there are lots of men who prefer having their spouse on hand to manage all domestic affairs instead of having two stressed parents fitting all home admin around two full time jobs.

Quite. If he didn't like the setup he could have divorced op years agoand kept the last 20 years of his pension.

walrushurricane · 21/09/2026 17:37

PyongyangKipperbang · 21/09/2026 17:14

Ha dont be so sure!

No one will tear down a woman faster than another woman.

It's easy to get that impression from this site but you never know the gender or circumstances of the people posting. Many people will have agendas and will be making things up.

walrushurricane · 21/09/2026 17:32

ANNotherWriter · 21/09/2026 17:04

She possibly took a few years out until they went to nursery.

My friends' mums who would be 100 now returned to teaching once their children were 3 and able to go to a state nursery.

State-funded nursery schools and universal pre-school education were rare during the 60s and 70s.

JHound · 21/09/2026 17:32

CherryKerry · 20/09/2026 22:05

Half his pension is unfair. Personally I could justify 50% for the period you were looking after kids between ages of 0-18 which depending on the age gap of you kids could be e g 20 years. The rest of his pension belongs to him, you should have been working and paying into your own pension pot. He's already done more than enough to keep you by working during your marriage while you pottered round the house.

50% of the house value is fair.

Why should she have been working outside the home if both parties prefer the set-up they had? You know there are lots of men who prefer having their spouse on hand to manage all domestic affairs instead of having two stressed parents fitting all home admin around two full time jobs.

Somethinggg · 21/09/2026 17:29

ANNotherWriter · 21/09/2026 17:24

The thing is the OP was only 40 when her youngest was 18.
She had many years to go into work.

It's quite easy to fill your days if you don't work, but considering women of her age may live to 90, it's a lot of days to fill even doing voluntary work and childcare for grandchildren.

I think she was filling her days/ biding her time with the intention she and her H would do 'things' when he retired but clearly he doesn't see that -or want to do what she wants to do.

Edited

She did indeed, but that's a different point. I mentioned upthread, the women I know in their (later) 60s now who stopped work in the 80s often for quite a few years when their DC were at home did all eventually end up going back, but that's because they were poorer. So once the kids were old enough that there was no real practical downside, they didn't want to forego the income.

Whereas it sounds like in this family, by the time they'd got to that stage, the low wages OP would've brought in wasn't enough of a draw to bother. This is where she's also quite different to a woman who already had a well established career by the time she had kids.

caringcarer · 21/09/2026 17:27

DivorcingDebbie25 · 20/09/2026 22:02

Yes I am a bit clueless. I don’t know how literally the ‘half’ is taken. So I understand I am entitled to half the marital assets but that would be the income from the pension not the actual cash equivalent then? I will need more cash than half the house to buy something of my own so was wondering if I could release it or have a claim on his future income somehow

You'd be entitled to half equity in house and half joint pension funds, half of any savings or investments. The joint pension would be split in half and transferred to a pension account for you. You wouldn't get half the pension value in cash. If your home is paid for so no mortgage you'd be able to sell it and both get much smaller places. You might need to go back to work to get a mortgage. A judge will think you have 7 years of working time left before a pension is taken. If you are divorced there is nothing to make your stbexh give you more than half of the equity because you don't work.

WhoPaintedMyRosesRed · 21/09/2026 17:26

ChimpanzeeThatMonkeyNews · 21/09/2026 11:31

We can’t win.

Have kids - go back to work.
Why are you even bothering?
All your salary goes on childcare.
You never see them.

Have kids - don’t go back to work
You’re a parasite.
What do you contribute to the home and society?

Childcare costs are just for the first 4/5 years. And you see them plenty. It’s just an excuse to stay at home and not work.

JHound · 21/09/2026 17:25

TAKE HALF THE PENSION!

Always always always for a fair pension split. My brother foolishly did not do that on his divorce (despite me saying that he should view that as his pension too as he reduced his own for tax structuring).

He regrets it now. Of course your husband will think it unfair. A lot of men choose to ignore women’s unpaid labour in divorce despite loving it during marriage.

Edit: I misread. Yes what he suggests is fair re: combining the pensions and splitting the total in half. Don’t see why that’s an issue.

ANNotherWriter · 21/09/2026 17:24

Somethinggg · 21/09/2026 17:08

I don't think we're comparing like with like.

Rates of mothers working were lower in the 80s than now, and there wasn't the same subsidy. They were also steadily increasing, and women with money and/or help from loved ones did manage to work even with babies. But because OP had her kids young and without a career, her earning potential would've been lower and there's no guarantee they could even have afforded childcare in the early days.

So if OP is compared to other married 20 year olds who gave birth then, I doubt she's even remotely unusual in not having worked for a while whilst having children in the home (it gets more unusual later on). But of course loads of women, especially those with careers they didn't want to leave, did go back to work with small DC and used either formal or informal childcare.

The thing is the OP was only 40 when her youngest was 18.
She had many years to go into work.

It's quite easy to fill your days if you don't work, but considering women of her age may live to 90, it's a lot of days to fill even doing voluntary work and childcare for grandchildren.

I think she was filling her days/ biding her time with the intention she and her H would do 'things' when he retired but clearly he doesn't see that -or want to do what she wants to do.

Somethinggg · 21/09/2026 17:23

I particularly enjoyed the post from a woman indignant at the possibility of ever taking a share in her partner's pension in a divorce, who wasn't even married anyway.

PyongyangKipperbang · 21/09/2026 17:14

AlonsoMosley · 21/09/2026 17:09

I am pretty sure that a lot of the more aggressive and diminishing posts do not come from the female kind...

Ha dont be so sure!

No one will tear down a woman faster than another woman.

OakleyAnnie · 21/09/2026 17:09

JLou08 · 20/09/2026 22:56

I couldn't take half of someone's pension if I'd done nothing for the last 20 years whilst they've worked. Half of what he accumulated whilst you were caring for children would be fair enough but 50/50 when they've been grown for 20 years feels wrong to me.

Well you do you dear! I’m sure your self sacrifice will be appreciated!

AlonsoMosley · 21/09/2026 17:09

Dweetfidilove · 21/09/2026 09:19

This thread sounds like a hostile zone 😳!

God forbid a woman (with the support of her husband) is a SAHM then housewife should end a marriage and not want to spend her latter years on the breadline. Isn't this MN where women are normally given advice along the lines of 'don't be a martyr' - fight for what you deserve?
Does this only apply to women who are working full-time, paying half the bills amd almost single-handedly raising the children/carrying the mental load 🤔?
We really are our worst enemy.

I am pretty sure that a lot of the more aggressive and diminishing posts do not come from the female kind...

Somethinggg · 21/09/2026 17:08

I don't think we're comparing like with like.

Rates of mothers working were lower in the 80s than now, and there wasn't the same subsidy. They were also steadily increasing, and women with money and/or help from loved ones did manage to work even with babies. But because OP had her kids young and without a career, her earning potential would've been lower and there's no guarantee they could even have afforded childcare in the early days.

So if OP is compared to other married 20 year olds who gave birth then, I doubt she's even remotely unusual in not having worked for a while whilst having children in the home (it gets more unusual later on). But of course loads of women, especially those with careers they didn't want to leave, did go back to work with small DC and used either formal or informal childcare.

OakleyAnnie · 21/09/2026 17:07

Dunnocantthinkofone · 20/09/2026 22:56

@DivorcingDebbie25 so if you aren’t trying to be greedy, what on earth made you think you coukd possibly be entitled to his future earnings or inheritance post divorce?
That doesn’t even remotely add up with you being fair

Because that’s how it works. If you rtft you’ll understand. Hopefully 🙄

ANNotherWriter · 21/09/2026 17:05

BTW I think this thread has become hugely sidetracked.
It's not about the choices OP made and if they are acceptable to others.

It's about what happens now for her next 30 years.

ANNotherWriter · 21/09/2026 17:04

walrushurricane · 21/09/2026 16:58

So who looked after your mother's friends children? Did they have family help? Teaching was probably one of the few jobs you could do with young children in the 70s and even then it was mostly only once children started school. My mother trained as a teacher so she could go back to work but zero opportunity with any other job without family to do childcare.

She possibly took a few years out until they went to nursery.

My friends' mums who would be 100 now returned to teaching once their children were 3 and able to go to a state nursery.

ANNotherWriter · 21/09/2026 17:01

I have a pension from working and only stopped aged 40 but I deeply resent anyone saying I did “fuck all” after that. Everything we did was organised by me.
But many women do work and organise everything.

I can't imagine stopping work at 40.My career had only been going to 18 years after uni with 4 years out as a SAHM. I had a H who travelled overseas a lot but I still worked part time till my late 60s, out of choice.

walrushurricane · 21/09/2026 16:58

Butchyrestingface · 21/09/2026 16:51

My mum would be 84 now if still alive. She qualified as a teacher in the early 60s, and was unusual among her female friendship group in that she took an extended period off work after her kids were born in the 1970s (but did go back full-time by the time I was 6).

Most of her friends were back out to work - in a range of jobs and professions - pretty promptly after having kids.

I don’t recognise this picture of women in the workplace being painted whereby pre-Y2K, they were mostly SAHMs.

The OP would have been an outlier even in the 1980s.

So who looked after your mother's friends children? Did they have family help? Teaching was probably one of the few jobs you could do with young children in the 70s and even then it was mostly only once children started school. My mother trained as a teacher so she could go back to work but zero opportunity with any other job without family to do childcare.

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