no need to mansplain.
its not over simplifying at all. His CETV for his pension gives a number. CETV means cash equivalent value. For a professional in middle age, it will be £££s. This is the figure used to determine the value of the pension as a marital asset. ( though yes - the amount this pension yields is variable )
I’m not saying she will definitely get this- no one would suggest that, because as a solicitor will tell you, it’s very difficult to predict what a judge will decide.
and yes - it’s not automatic 50% of pension. But here’s what judges look at when making a financial settlement:
the needs of the children - including the costs of providing a stable home and upbringing.
the length of the marriage
the matrimonial assets ( home, pension pots of both parties, savings, potential inheritance)
Here’s what the OP has explained so far that put her in a position to get a settlement which would equate to no less than 50 per cent of assets, but possibly more:
This is a long marriage ( indicated by teenage children)
she provides 100 per cent of childcare.
she has a child with a disability, of which she is main carer.
I know of several women who are the lower earners who have got 70% of house because they are the resident parent.
as for pension - when people talk about claiming a share of the pension, they don’t mean waiting till he’s retired and getting him to give half. They are talking about him paying a cash value to her now that is equivalent to a share of that pension.
And to be clear, I haven’t claimed anything. Don’t put words into my mouth so you can contradict them.