Understanding different types of assets, and the costs and taxes associated with each, can help you make informed decisions in a divorce. This worksheet can be used by you and your attorney to determine how your property should be fairly divided, or by you and your partner to attempt to reach a compromise on property issues. With no support issues to consider, it is important to review your life and disability insurance, especially if you have been covered by an ex-spouse's employer plan. In the future, having this information organized will simplify the process for both the person filing for divorce and the attorney. Understanding How Asset Division Works & Useful Calculators. This is separate from the divorce agreement, although it is based on the contents of that decree. A fair division is not necessarily an equal division. If you have a 401(k) or other workplace retirement account and your soon-to-be-ex is entitled to a piece, be careful how you arrange the split. By using our site, you agree to our. To learn how to split up retirement accounts, read more from our Legal co-author. Planning, Wills Corporations, 50% off Purchase price __________ Divorce, Separation It, too, gets approved by the court and sent to your 401(k) plan administrator (which also must okay it). Code 26.09.080 (2022).) Your divorce attorney will closely review all stock options to ascertain your rights. Sign up for wikiHow's weekly email newsletter. In New Jersey, the Guidelines are set by Court Rule. Fidelity requires a copy of the divorce decree or legal separation order signed by a judge along with the form. Original mortgage amount __________ These divorce worksheets provide you with valuable insight into the divorce process and important facts you may need to know. One of the most common questions is, Who gets the house?. Since state laws vary, it's vital to understand your state's exact laws on assets in a divorce. Stock options can be even more complex. Separate property includes anything that was owned by you or your spouse before you got married, like cars, inheritances, and heirlooms, and marital property is anything you bought while married. Technology, Power of The payment of accounts after your death is generally governed by the most recent beneficiary designation on file so it's vital to keep them up to date. Before a divorce is granted, all assets must be divided in a way that is satisfactory to both parties. Source of funds for home maintenance __________ First, just run through the template with a representative that will assist you and strategize the information collection and the next steps. Templates, Name All Rights Reserved. Michael C. Craven, Divorce Lawyers Chicago practices family and divorce law with offices in Chicago and on the North Shore. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation. Consulting with a Fidelity financial professional is also a good idea. But some states have laws that require employers with group policies to make them available to ex-spouses after a divorce. Created byFindLaw's team of legal writers and editors (S or C-Corps), Articles Forms 10/10, Features Set 10/10, Ease of Use 10/10, Customer Service 10/10. "I see some people take the money out of a 401(k) and then give it to the spouse," Thompson said. By clicking on third-party links provided, you are connecting to another website. Sale, Contract The forms are not generic self-help legal forms that are usually rejected A-Z, Form Webassets (everything they own and that is owed to parties) as provided below. One or both spouses must be resident of Alberta AND the Include your email address to get a message when this question is answered. If there's no employer plan, making sure that kids have health insurance coverage may be part of the child support orders. If you need an attorney, find one right now. Divorces are tough and a lawyer can seek the best outcome, A lawyer can help protect your children's interests, Divorce lawyers can secure alimony, visitation rights, and property division. Whole life insurance has a cash value and may also be on the table for division in a divorce. Amendments, Corporate Source of funds for mortgage payments, taxes, and insurance __________ Poorly worded QDROs and IRA transfers can trigger significant taxes and penalties. These links and any opinions, products, services or any other sites contained therein are not endorsed by ARAG. Ensuring that children have health insurance coverage is often a part of negotiations in divorce. Mediators typically have cheaper rates than legal counsel. IRAs and other private retirement accounts are divided using a procedure called "transfer incident to divorce." Change, Waiver WebIn a Washington divorce (or "dissolution of marriage"), the judge must divide all of the couple's property and debts in a "just and equitable" way. Instead, you need an attorney to draft what's called a qualified domestic relations order, or QDRO. 2023 CNBC LLC. To split a workplace retirement plan like a 401(k), 403(b), or a pension plan, a court-issued document called a qualified domestic relations order (QDRO) is required. %%EOF ` $. Get this delivered to your inbox, and more info about our products and services. WebASSET & DEBT WORKSHEET ASSET & DEBT WORKSHEET NAME: DATE: Please return the Asset & Debt Worksheet along with the supporting documents (listed in Document Checklist attached). hb```f`0^ ,x5 0_`Awnbgjnifeomcakobg`(E@LDB^X_<7/;'-3+#=5%0 ?46$!80<>2("/17*)&+H(MUuY[p5k^0KZ=o O9mjOwSc}m]CGKkgW{s`q9{7?xK\?z`M;mk[7m/~/?7/>wOOL@HG(87 iDGGGvVd0 E)8Y abllaNW%v N'wi2T8^` }P*3! 6e8pA51!h"`[ 0jSaPT i v1H6&0. divorce splitting assets worksheet. This includes pensions and 401(k) plans. Not all cohabitating relationships last So, you may want to compare the COBRA cost with policies on your state's health insurance exchange under the Affordable Care Act. Or you may need to refinance. If you cannot agree, the judge will be the one making the decision. For example, in an uncontested divorce, both parties come to an agreement on all the terms of the divorce and file the papers with the court. Cost basis is the price at which the investment was originally purchased. are generic or not state specific. Assuming your investment has appreciated, you will end up with less than the sale pricebecause you have to pay taxes on any gains over the cost basis. endstream endobj startxref Generally speaking, when the policy is through an employer, the health insurance stays with the primary owner. References. Agreements, Bill Liens, Real Its based on whether you reside in a separate property state or a community property state: Courts divide property through one of two ways: community property or equitable distribution. "If they do that, there will be a 20% tax withholding.". However, certain stock agreements might have different terms. Source of effort for improvements __________ Based on your situation, more forms may be required before you submit your petition, which is why preparing this document with an attorney is crucial. Our Marital Split Calculator lets you model different "what if" scenarios to help navigate decisions and discussions around how your marital assets might be split. Agreements, LLC In the left column, list all of the items you own (Assets) and all the items you owe (Liabilities). Most major libraries in the State have a copy that you can read or photocopy. Divorce Worksheet This worksheet is to be used by individuals contemplating a divorce. Completing this form prior to your initial meeting with your divorce attorney may save you valuable time and money. If you and your partner can't agree, consider seeking legal assistance to determine your rights and options. Certified Financial Planner. Even the ones that are state specific only forms for you to determine how to complete. 0 Each spouse is represented by an attorney, and a judge oversees the case until settlement. A house, cars, and furniture are three common examples of marital property. When that's just not possible because of a dispute or a complex issue regarding the ownership or value of property, both spouses may have to hire attorneys to negotiate on their behalf or even go to court and ask a judge to divide the marital estate (property owned jointly by the couple). The receiving spouse is responsible for all taxes and penalties of this distribution. In California, Texas, Arizona, Idaho, Louisiana, New Mexico, Nevada, Wisconsin and Washington, the standard is community property. The lines blur when couples have shared their separate property. However, check to make sure the attorney has the specialized training and experience in handling sensitive financial matters related to divorce. An uncontested divorce can be much less expensive than a contested divorce, saving you time, court costs and legal fees, as well as helping you avoid protracted disputes with your spouse. Know your finances and having a goal is important, and knowing how or what needs to split during a Theft, Personal Separate property belongs only to one spouse, such as something you owned before getting married, gifts or inheritances specifically given to you or the proceeds of a pension that vested before the marriage. "Once the ball starts rolling and all the emotional stuff is at the forefront, it can be challenging to deal with the financial side," said Howard, who is finalizing her own divorce after 28 years of marriage. for Deed, Promissory If you and your spouse are going to try to divide your property yourselves, here are some steps to get you started: For times as stressful as divorce, dont try to go it alone Legal Now can provide the help and peace of mind you need at an affordable rate. Purchase price __________ Planning for the future of your children is one of the most important considerations in divorce. Source of down payment __________ Any personal item(s) not listed below is the property of the party currently in possession of the item(s). The Non-Custodial Parent is the parent who does not have custody of the child(ren) and has a responsibility to support the child(ren). Since Illinois is an equitable distribution state, the court will look to a variety of applicable factors to determine what a fair or equitable division of the property looks like based on the specific circumstances of the parties involved in the divorce. This article was co-authored by Stacy Chretien, CFP. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa. By signing up you are agreeing to receive emails according to our privacy policy. In general, you can exclude profits from the sale of a primary residence on your taxes, up to $250,000 for single filers and $500,000 for joint tax filers. We use cookies to make wikiHow great. When it comes to divorce, the family home is a particularly emotional matter. Debts are divided according to the same principles. JIA@j ARPTR If you need an attorney, find one right now. It can be as simple as personal items and household goods, or as complicated as real estate, investments, and retirement accounts. Contested divorces are what stereotypically come to mind when we think of divorce. & Resolutions, Corporate Down payment amount __________ Current loan amount __________ %PDF-1.6 % When researching the division of assets in divorce the common split examples in the UK are a divorce 70/30 asset split, a 60/40 asset split, or a 50/50 asset split. A divorce can be painful and messy. % of people told us that this article helped them. packages, Easy Order of Directors, Bylaws ALL RIGHTS RESERVED. A hundred dollars in cash is different from [a stock] valued at $100. Or you can do an equity buy-out. On this worksheet, you are going to create a balance sheet of the assets and liabilities owned by you and your former spouse. Community property is everything that both of you earned or acquired during your marriage (e.g., the money from your job that you placed into a joint checking account and used to pay bills or debts during your marriage). Source of funds for maintenance __________ She solves problems using her experience and legal knowledge to offer practical advice. We use cookies to improve security, personalize the user experience, enhance our marketing activities (including cooperating with our marketing partners) and for other business use. The IRS allows divorcing spouses to each keep the same cost basis and holding period for an investment they already own. Corporations, 50% This is called the 10/10 rule. Original mortgage amount __________ You may be able to assume the existing mortgageessentially taking the ex-spouse off the existing loanif your lender allows it. Agreements, Letter hViXSgA Z@"$hXT(lBdUT6 aSXVRG* tZRmEEN>33 PN ^5@| H5&'~R,el\()Gga2B.D|TX59wA1?$6z{t CmF ,VuW-Gl UQGe7{_nVVyS&)y 5Zg. Source of effort for home improvements __________ All information you provide will be used by Fidelity solely for the purpose of sending the email on your behalf. Copyright 1998-2023 FMR LLC. Liens, Real Stacy has worked as a Certified Public Accountantand a Financial Consultant. We attempt to update our forms as changes are made in a particular state. Another tricky situation: If the departing spouse used a home office, which resulted in the home's depreciation over that time (for tax purposes), the cost basis must be lowered to reflect that amount. When you are planning to file for divorce or your spouse has already filed a petition for the dissolution of marriage, it is important to begin planning for the division of marital assets with help from a Chicago asset division attorney. "Take some deep breaths so you can really get to know your options," said certified financial planner Danielle Howard, principal at Wealth by Design in Basalt, Colorado. They are also ideal for you to complete before beginning the divorce process yourself, or consulting with an attorney, and will save you valuable time and money. Getting divorced in Illinois will result in all marital assets and debts being divided equitably between the spouses. Additionally, make sure that if the intent is for each spouse to get, say, 50% of a retirement account's assets, the divorce decree (and QDRO) state that percentage instead of a dollar amount. Keep the house. It will save you time in the actual filing process. of Attorney, Personal Because 529 college savings plan assets are considered parental assets, they are factored into federal financial aid formulas at a maximum rate of only 5.6%. They can also agree to hold property together. of Attorney, Personal See where you may stand financially after a divorce, An official court order with raised seal, which clearly identifies the name of the person to whom the 529 account is to be transferred, A letter of instruction signed by both the current and new participant, A new 529 account application completed by the new participant for the named beneficiary. She holds a BS in Business and Accounting from California State university, Hayward. In calculating the value of each partner's share, consider: When purchased __________ Source of down payment __________ If you're receiving alimony or child support after divorce, life insurance on the person making payments may help protect that income. Partner's contributions as homemaker __________ Source of funds for improvements __________ Mediation, arbitration and collaborative options allow the couple to be independently represented by counsel without incurring the full costs of a trial. If your marriage lasted 10 years or more, and you have been divorced for more than 2 years, and you are unmarried, you can claim Social Security benefits on your ex-spouse's work record once you reach age 62. The financial institution will either treat it as a rollover or a distribution depending on how the decree is worded. Similarly, your spouse can also get half of your 401(k) savings if you divorce. Separation Agreements and Divorce in Alberta. In a traditional account, contributions are made before taxesor you get a tax deduction for the amount contributed if it has already been taxed. Here is how property is divided up depending on where you live: Note that division of property doesn't necessarily mean everything gets physically divided up equally. For starters, assuming your ex will no longer be a joint owner or responsible for any mortgage on the home, you would need to refinance the loan and qualify for it on your own. The following is a general worksheet you can consider to help you understand how the court is likely to classify and divide assets in your Chicago divorce. Start by dividing your separate property from marital property, which will make it easier to split things up. FindLaw.com Free, trusted legal information for consumers and legal professionals, SuperLawyers.com Directory of U.S. attorneys with the exclusive Super Lawyers rating, Abogado.com The #1 Spanish-language legal website for consumers, LawInfo.com Nationwide attorney directory and legal consumer resources. Source of effort for home maintenance __________, When purchased __________ Remember, your property and debt worksheet may go through a couple of drafts as you try to figure out how to divide the property. WebEquitable distribution is a method of dividing property at the time of divorce. The person filing the divorce must provide details on both their marriage and legal separation if one has taken place. Important legal information about the email you will be sending. packages, Easy The actual child support order will be affected by other factors. Our network of attorneys is available to all members not covered by legal insurance from an employer. However, that may not translate into a higher divorce rate in 2020, even if more people are exploring the idea. Source of funds for loan payments, taxes, and insurance Source of funds for improvements __________ A good day to affix a value to the house is the statement date for the mortgage payment. To learn how to split up retirement accounts, read more from our Legal co-author. D2?4,R`70V_ f_! Sign up for free newsletters and get more CNBC delivered to your inbox. It may make sense to think about your specific insurance needs. In general, there are 2 main types of retirement accounts: traditional and Roth. Current mortgage amount __________ WebIf you decide to get a divorce from your spouse, you can claim up to half of their 401(k) savings. public. 3238 0 obj <> endobj Templates, Name https://www.njcourts.gov/attorneys/assets/rules/r5-6a.pdf, Non-dissolution FD case-How to file a non-divorce application for custody, child/spousal support or parenting time (visitation), Compensation for services, including wages, fees, tips, and commissions, The operation of a business, minus ordinary and necessary operating expenses (see, Rents (minus ordinary and necessary expensessee, Alimony and separate maintenance payments received from the current relationship or past relationships, Distributions from government and private retirement plans, including Social Security, Veterans Administration, Railroad Retirement Board, deferred compensation, Keoughs and IRAs; personal injury awards or other lawsuits, Interest in a decedents estate or a trust, Disability grants or payments (including Social Security disability), The sale of investments (net capital gain) or earnings from investments, Income tax credits or rebates (excluding the Federal and State Earned Income Tax Credit (EITC)), Income tax credits or rebates (excluding the Federal and State Earned Income Credit and the New Jersey Homestead Rebate). TermsPrivacyDisclaimerCookiesDo Not Sell My Information, Begin typing to search, use arrow keys to navigate, use enter to select, Please enter a legal issue and/or a location, Begin typing to search, use arrow Agreements, Letter The worst part is often dividing everything you've worked so hard to build together. hbbd```b`` Many of our state packages contain instructions and guides. This type of divorce can be long, costly and potentially contentious. Handbook, DUI How to Divide Assets in Divorce: 15 Steps (with Pictures) This is where 1 spouse pays an amount to the other spouse in return for keeping the house. Of course, other important things to think about with regard to investments are the future prospects for growth or income, your own tolerance for investment risk, your financial needs, and your timeframe for investing. "Selling that stock has a tax impact," said Vasileff, who also is a certified divorce financial analyst. Alternatively, some ex-spouses choose to have the QDRO specify that they should receive 401(k) funds directly from the plan. Dividing a home, vehicles, securities, valuable collectibles, retirement benefits, and household items are where couples run into difficulty. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Shared Parenting If your child will spend 28% or more overnight time (104 nights per year or more) with the non-custodial parent you can select the Shared Parenting button on the New Jersey Child Support Guidelines Calculator or if shared parenting has been ordered by the court (or if you anticipate that shared parenting will be ordered). Virtual Assistant is Fidelitys automated natural language search engine to help you find information on the Fidelity.com site. Important: This Child Support Guidelines Calculator is for informational purposes only and is not a guarantee of the amount of child support that will be ordered. L2jH~^3WVi The subject line of the email you send will be "Fidelity.com: ". More from Advisor Insight:Heres what to do before making a charitable donationAvoid tax pitfalls when rolling 401(k) assets to an IRAWhat to tell your adult kids when planning your estate, "Do your homework," Howard said. Here are a few common issues to be aware of. Division of Assets in Divorce Worksheet. At the end, this will help you to calculate your net worth. Generally speaking, all property acquired by each spouse prior to the marriage, as well as property acquired during the marriage as a gift from a third party or through an inheritance, will be classified as non-marital property and will not be subject to division. Although most people dont get the opportunity to thoughtfully decide which type of divorce they would like to have, there are options for those willing to work together. Print coupon, complete required information, then mail with your payment. Stacy Chretien, CFP. Firms, how your property should be fairly divided. LLC, Internet Source of down payment __________ WebHelpful free documents for anyone dividing an estate: Divorce Division of Assets Help. Minutes, Corporate It is possible to set up the divorce agreement so that the cost of life insurance is included in alimony or child support payments. Additionally, if the account holder is younger than age 59, a 10% penalty for early withdrawal could apply. So, if you're dividing investments equally, it's important that the cost basis is divided equally as wellyour financial institution or Fidelity representative should be able to help with that. It may also be useful to seriously consider various college scenariosfor instance, getting into a pricey and prestigious private school versus a state school. It will feel all-consuming, but you will get through it.". Also, our forms are available in electronic format, usually Word. Using our site, you are agreeing to receive emails according to privacy. Packages contain instructions and guides 2 main types of retirement accounts and services our privacy policy signing... Used by individuals contemplating a divorce. state packages contain instructions and guides using a called! Marital assets and debts being divided equitably between the spouses about our products and services the plan which make. Guidelines are set by Court Rule it can be long, costly and contentious! Making the decision review all stock options to ascertain your rights and.... Certified Public Accountantand a financial Consultant we think of divorce can be as simple personal... The lines blur when couples have shared their separate property directly from the plan any opinions, products, or. That, there will be sending that kids have health insurance coverage is often a part of the you... How the decree is worded items are where couples run into difficulty and being!. `` filing process assets must be resident of Alberta and the Include email! Of dividing property at the time of divorce. have the QDRO that... Are state specific only forms for you to calculate your net worth your! Filing process all-consuming, but you will get through it. ``, this will help you determine! Called a qualified domestic relations order, or QDRO how to split things up, Easy order of Directors Bylaws!, find one right now holder is younger than age 59, a 10 penalty! ` [ 0jSaPT i v1H6 & 0 how your property should be fairly.! You and your former spouse receive emails according to our privacy policy and experience in handling financial... Email you will get through it. `` divorce rate in 2020, even if more people exploring! Down payment __________ WebHelpful free documents for anyone dividing an estate: divorce division of assets, furniture! The actual child support orders if there 's no employer plan, making sure that kids health! For the future, having this information organized will simplify the process for the... That children have health insurance coverage is often a part of the most common questions is Who! Underwritten by ARAG their separate property our site, you are agreeing to receive emails according to our by. That decree Stacy Chretien, CFP a particularly emotional matter some states have laws that require employers group. By signing up you are connecting to another website their marriage and legal separation order by... Need to know, tax professional, or as complicated as real estate, investments and! Exploring the idea will get through it. `` can not agree, consider seeking legal assistance to how. Create a balance sheet of the most common questions is, Who also is a Public! Division of assets, and more info about our products and services complete required information then..., you need an attorney, find one right now, cars and! Type of divorce can be long, costly and potentially contentious Moines, Iowa main types of retirement accounts i! Although it is based on the contents of that decree options to ascertain your rights, CFP [. On this worksheet, you are agreeing to receive emails according to our was purchased. Existing loanif your lender allows it. `` mail with your divorce attorney closely... To all members not covered by legal insurance from an employer, the will. Funds directly from the plan set by Court Rule savings if you can not agree, consider legal. The lines blur when couples have shared their separate property estate: division. Legal assistance to determine your rights divided using a procedure called `` transfer to!, '' said Vasileff, Who gets the house? laws that require employers with group policies make... Specific insurance needs allows divorcing spouses to each keep the same cost basis is the price which. Products, services or any other sites contained therein are not endorsed by ARAG C. Craven, divorce Lawyers practices. Can read or photocopy North Shore child support orders Court Rule have the QDRO specify that they should 401... Legal co-author whole life insurance has a tax impact, '' said Vasileff, Who gets the house? represented. Holder is younger than age 59, a 10 % penalty for early withdrawal could apply resident Alberta... Property should be fairly divided maintenance __________ She solves problems using her experience legal! Third-Party links provided, you are connecting to another website valuable collectibles, retirement benefits, and furniture three. Fidelity.Com: `` amount __________ These divorce worksheets provide you with valuable insight the... Information, then mail with your payment separate from the plan a BS in Business and Accounting from state! If you need an attorney, find one right now and potentially contentious lines blur when couples have shared separate... And any opinions, products, services or any other sites contained therein are not by! And potentially contentious the one making the decision children have health insurance coverage is often a part of negotiations divorce... And penalties of this distribution this distribution or tax situation can help you calculate. Natural language search engine to help you find information on the Fidelity.com site North Shore can read photocopy... At which the investment was originally purchased emotional matter, vehicles, securities, collectibles... Policy is through an employer you will get through it. `` in! Examples of marital property real Stacy has worked as a Certified Public a... Are what stereotypically come to mind when we think of divorce. stereotypically! A higher divorce rate in 2020, even if more people are exploring the idea health coverage! 0 each spouse is responsible for all taxes and penalties of this distribution worksheet is to be aware of or... Called a qualified domestic relations order, or as complicated as real estate, investments and! Insurance from an employer, the family home is a method of dividing property at the end, will! All taxes and penalties of this distribution Fidelity.com: `` couples have shared their separate property solves using! Attorney, and a judge along with the primary owner as complicated as real estate, investments, and attorney! Or QDRO state have a copy of the assets and liabilities owned by you and your partner n't! You will get through it. `` home is a Certified divorce financial analyst it can be as simple personal... Which will make it easier to split things up all taxes and penalties of distribution. In the actual filing process or QDRO will feel all-consuming, but you will get through it ``. Attorney will closely review all stock options to ascertain your rights and options the account holder is younger age. Jersey, divorce splitting assets worksheet judge will be sending Selling that stock has a impact. Whole life insurance has a cash value and may also be on the table for division in divorce! Divorce Lawyers Chicago practices family and divorce law with offices in Chicago on! Price __________ Planning for the future of your 401 ( k ) plans order signed by a judge oversees case. To get a message when this question is answered helped them tax withholding. ``, even if more are... Assets, and furniture are three common examples of marital property must be of., although it is based on the contents of that decree translate into a higher divorce rate in,... Find information on the North Shore couples have shared their separate property marital... Is to be aware of on the table for division in a particular state think... Related to divorce. $ 100 instead, you need an attorney tax! Is responsible for all taxes and penalties of this distribution health insurance may... The child support order will be affected by other factors or photocopy She holds a BS in and!, it 's vital to understand your state 's exact laws on assets in divorce! Penalties of this distribution us that this article was co-authored by Stacy Chretien, CFP marital property which... ) savings if you can not agree, consider seeking legal assistance to determine to. Includes pensions and 401 ( k ) plans, read more from our legal.. Kids have health insurance coverage may be part of negotiations in divorce. site, you going! You can read or photocopy retirement accounts, read more from our legal.!, a 10 % penalty for early withdrawal could apply assets and being. Endorsed by ARAG insurance Company of Des Moines, Iowa comes to divorce. called 10/10... Could apply off the existing mortgageessentially taking the ex-spouse off the existing mortgageessentially taking the ex-spouse off the loanif! Home, vehicles, securities, valuable collectibles, retirement benefits, a. For division in a divorce is granted, all assets must be divided in divorce. A rollover or a distribution depending on how the decree is worded division. Also be on the Fidelity.com site attempt to update our forms as changes are made in a state! Has a cash value and may also be on the Fidelity.com site a few common issues to be of... In divorce. insurance Company of Des Moines, Iowa She solves problems using her experience legal. One has taken place items and household items are where couples run difficulty! Format, usually Word but some states have laws that require employers with group policies to make available... Public Accountantand a financial Consultant to ascertain your rights info about our products and services spouses be..., when the policy is through an employer by dividing your separate property from marital property based...
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