Is my husband entitled to my critical illness payout?

[PatsyKPS]

I am separating from my husband as constantly gets us in to debt due to his drink and drug habit. In December i found out the extent of his coke habit and I vowed to never give him another penny - I have always been the breadwinner and we have 2 kids and he has a job but spends his income on his habits. So I have been diagnosed with breast cancer and because we have a joint policy I am worried he will be entitled to half the critical illness payout. I want it to help me and the kids . If he gets half it will go on drink, hash and cocaine. Does he have a right to half of it and would he get half if it went to court and I told them what he spends it on? I have evidence of his drug use. Any advice welcomed!

good luck with your treatment

I lost my father just before my ex walked out and then got made redundant. Great year! Both the redundancy payment and the cash I inherited would both have been marital assets but you can get the other half to agree they should not be included in the financial agreement. That’s what we did. He never actually asked how much they were for, thank god as it was nearly £150k!
I think you are best asking him to do the decent thing and waive his right to include them. He might surprise you!