Also, it's important to figure out - if your H is in the pERS system, does that mean he was opted out of social security? (That's what happens in my state - you pay into PERS INSTEAD of social security).
If that's the case, it's even more important for you to get part of the retirement, because you won't be able to claim social security based on his SS benefits. (Normally, if you've been married 10 years, and are single when you retire, you can choose the spousal benefit of your ex-husband's social security if that's more than what you earned on your own).
Also - are you telling me you don't KNOW what the equity in the house is right now??? It's pretty simple - what's the balance on the mortgage, subtracted from your best guess as to the current sales value of the house.
(Note that these calculations usually don't include the cost of selling the house, so you get shorted there. i.e. house worth 200k, 100k mortgage, 100k equity. But if YOU take the house, then have to sell it a year later for 200k, you don't end up with 100 k cash. You end up with 100k minus 6% realtor fees - closing costs - cost of fixing the house up for sale - maybe 90k if you're lucky.)
