Coveture Fraction


How does the coveture fraction work? For instance, I was employed for 6months before I got married. I was married for 230 months and still have not settled w/my ex for the last 24 months.

How does the coveture fraction work in a situation such as this?

Also, what steps can I take to ensure that all future 401k contributions - post separation - are exclusively mine?




The coveture fraction works as follows:
Your ex’s entitlement is one half of the total martial portion of the retirement account. The coveture fraction is applied which is as follows: The total number of months employed divided by number of marital months (230) and the multiplied by 50%.
Any contributions you have made since you separated are separated and accounted for in the coveture fraction.