I'm still feeling like I might have filed if I wasn't afraid of losing money to L.
MLCers don't file if it benefits them financially not to. You need to be careful financially here.
1) Waiting to file might give H more time to squander any savings - if they're significant you might need to file to protect your share.
2) You've already been married more than ten years, right? So you would have access to Social Security benefits if half of his was greater than your on your own account. You could also take widow's benefits if he died.
3) Make sure he's not taking out debt that could be construed as marital debt.
4) A lawyer will protect your financial interests. You should at the very least have a consultation with one to see what, if anything, you should be doing right now to protect yourself financially. Sometimes that means filing, sometimes that means waiting.
