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If you are getting a divorce, especially in your later years, one of your biggest concerns is likely how it will affect your financial situation. Specifically, you may wonder what will happen to your retirement savings and whether you will still be able to retire as planned. In order to prepare for the impact of your divorce on your retirement, it is important to understand both Illinois property division law and the tax implications of different retirement accounts.
Under Illinois law, all marital property is to be divided equitably between spouses as part of a divorce resolution. This does not mean that the division has to be exactly equal, but it should be fair to both parties and prevent either from facing undue hardship. In some cases, the details of the division of property are left to the court’s decision, but divorcing couples also have the opportunity to reach an agreement of their own and submit it to the court for approval.
Effectively managing conflict is an important skill in many areas of your life, but it is especially important throughout the divorce process. You may find that emotions are running high between you and your spouse, and chances are that the two of you will not agree on every aspect of your divorce resolution, even if you are attempting to divorce amicably. With these things in mind, you should aim for an approach that helps you resolve conflicts, or at least keep them under control.
When you and your spouse seem to be at an impasse, here are some suggestions to handle the conflict and keep your divorce negotiations on track.
Many children benefit from the love and support of relatives outside of their immediate family, and this can be especially important for children whose parents are no longer living or are unable to care for them. In these cases, a relative will often step up to formally adopt the child, solidifying a legal relationship in addition to the personal relationship. If you are considering a related adoption, a family law attorney can help you with the process.
In Illinois, a person is eligible to be an adoptive parent in a related adoption if they are related to the child in one of the following ways, either by blood, marriage, or adoption:
Unless you are granted your marital home as part of the division of property, you will likely need to find a new place to live either during the divorce process or after your divorce is finalized. Moving to a new home is stressful at any point in your life, but along with all the other stress of a divorce, it can be even more overwhelming. However, you can make the transition easier by taking the time to prepare.
Thinking carefully about where you will move and how you will handle the moving process can lead to greater satisfaction with your decision and less stress for you and your family in the future. Some important things to consider include:
If you have been through a divorce, it is understandable that you may want a break from the legal process after working tirelessly to reach a resolution on important decisions including your parenting agreement. However, it is important to realize that circumstances change over time, and what worked for you, your children, and your former spouse at the time of the divorce may not be as effective a few years later. If you find that your situation has changed substantially, it may be best to petition for a modification of your parenting plan.
Perhaps the most likely element of your parenting plan that may require modification is your parenting time arrangement. As circumstances and preferences change, it may be best to adjust either the distribution of time spent with each parent, the specific schedule of days, or both. You can modify parenting time at any point after your divorce as long as it is in your children’s best interests and you can demonstrate that one or more of the following is true:
If you are having problems in your marriage, chances are that the thought of divorce has crossed your mind at some point, and you may have even thought about bringing it up with your spouse. However, saying something out loud can often lead to a situation in which it is impossible to turn back, so you should think carefully about how and when you raise the subject if you choose to do so at all. When it comes to such a sensitive conversation, some times are certainly better than others.
If you have any hope for the survival of your marriage, one of the worst things you can do is to threaten divorce during a heated argument with your spouse. As much as you may be feeling it in the moment, a divorce may not be what you truly want. However, making your partner think it is a possibility can lead to feelings of insecurity. It also has the potential to exacerbate the argument or shut down future attempts at conversation that could help you resolve your issues together.
Divorced and unmarried parents alike will almost certainly encounter the legal matter of child support as the court determines a fair arrangement that financially provides for their children’s needs. In Illinois, the basic child support obligation is meant to provide for costs related to a child’s food, clothing, shelter, and ordinary medical expenses, but in many cases, this does not truly account for everything that a child needs to maintain his or her quality of life. For this reason, the court may consider additional expenses when determining the amount that each parent will be required to contribute.
Depending on factors including the child’s needs, the standard of living he or she could expect in a two-parent household, and each parent’s financial ability to contribute, the court may order that the following expenses be included beyond the basic child support obligation:
Daytime television has popularized the idea of a DNA test to establish paternity to the point where you might think it is a necessary part of any legal paternity case. It is true that in Illinois, genetic testing is often used in cases involving uncertain or contested paternity, but there are other ways of establishing paternity that do not require testing at all. As either a father seeking to establish paternity or a mother who wants to ensure child support, you should be aware of when a DNA test is or is not required and what you can expect if a genetic test is part of your case.
In Illinois, there are a few situations in which legal paternity for an unmarried father can be established without the need for a DNA test. These include cases in which the father:
Out of all of the marital properties that must be divided in a divorce, perhaps none carries a greater emotional weight than the family home. It may be the place where you and your spouse began your life together, or where you have raised your children and made lasting memories. However, as you consider what will happen to your home during the divorce, it is best to try to set aside emotions and make a rational plan for achieving your desired outcome.
Because Illinois requires an equitable distribution of marital assets rather than a 50/50 split, getting a divorce does not mean that you and your spouse will have to divide the value of the house down the middle. Rather, you have a wide range of options, especially if you are willing to work together to negotiate a solution. Some of the possibilities include:
One of the hardest parts of getting a divorce is seeing the effects on your children, and even parents with the best of intentions can struggle to establish and maintain a post-divorce environment that serves the children’s best interests. One specific challenge that parents may face is maintaining consistent rules, expectations, and discipline when the children are dividing time between two households. Here, we offer suggestions that can help you avoid parenting mistakes and work on an arrangement that helps your children adjust and thrive.
As you adjust to your new co-parenting routine after your divorce, here are some unproductive approaches you may find yourself taking: