@BlueTick thank you for your message. I am sure your position of having a workaholic DH must be so tough too - it seems like there is no balance, either working all the time or not working at all!
Re your questions - yes we are married. I think DH could take his pension at 60 and it would be around £30k a year - if we split up I guess I would get half of that, so £15k. I don't have my own pension. I didn't work for years - I tried, but things were so stressful at home, and DH refused to share any of the childcare/domestic work at home, so I stopped working.
I have just got a new job which starts soon, salary is around £18k, so not really enough to support the children and I. My DH is a high earner, but as I say, I have no idea if he is planning to go back to work or not. I know he doesn't want to at all, and is happy relaxing at home all day. Finances are complicated as we have some equity in our current house, and also equity in another business property that I don't think we can sell for a while - aaargh, if only it were more straightforward! That's good advice to find a solicitor - I will have a look for one.
What you said here "If DH suddenly sat around at home all the time I couldn’t cope. I find too much time around him unbalances me. I can’t think straight and I find I’m jangled like a bell that can’t stop vibrating." - I relate to so much. Since DH has been off work and sitting around all day, I have become so stressed and depressed. I also can't think straight. It's so difficult to explain to someone unless they have a similar situation, but there just seems to be such a lack of everything - his time, energy, attention, care, empathy. There is no communication, shared goals or team work. His energy totally drains me. It's like living with an angry lodger.
I was thinking I may have to go to the GP for antidepressants.
There is such a conflict in me - the safe option of staying, where there is more financial security, he is "there" in case there is an emergency or problem with the children, he is someone to go to events etc with, he is the childrens' father - and then the unknown option of leaving, where I would feel more freedom, autonomy, and without the stress of being in a totally one way relationship!!
I feel so much for you too, and everyone else on this thread who is in a similar position. Yes, may God give us all strength to find a way forward.