If you are female and either considering a divorce or already going through the process, then you need to read this. Divorce is an emotional process to a business-like decision. Whether you have been married for 6 months or 40 years, you invested much of yourself emotionally. You probably entered this marriage believing “’til death do you part.” Suddenly, you realize your life may not be including this person any longer.
You can learn to empower yourself and make the best of a difficult situation. You are going to have to make decisions, some of which can cause strong emotions, like splitting up assets, considering who will get the house, and dealing with child custody issues. These decisions must be made with a clear head and not an overwrought heart.
1. Take care of yourself. Consult with a financial planner and a family attorney. Even if you choose to take care of the divorce through mediation, you want to be sure your finances are secure upon the completion of the divorce. You want to make sure you know your rights. These professionals can be an asset when making decisions, which will ultimately effect your future.
2. Establish a support system. Seek out the aid of friends and family. If you do not have a good support system in place, seek counseling or a women’s support group.
3. The benefits of counseling. A good therapist can be objective, while you deal with the strong feelings you’ll experience, which cloud your judgment. A counselor will also help you process the lifestyle changes you’ll ultimately have to deal with. A couple of concerns some women have voiced include the ability to pay for counseling during this time and the confidentiality of their records.
4. Paying for counseling. I suggest you pay for the therapy out-of-pocket. You can use insurance and have every right if you so choose to do so; however, there are possible negative ramifications of using insurance benefits. First, your counselor will have to determine if you meet the criteria for a mental disorder diagnosis to be able to use your insurance, as panels require “medical necessity” to be authorized for benefits. If you do qualify, that mental disorder diagnosis will be submitted for every session to the insurance company. If your divorce isn’t amicable or if your spouse is being vindictive, he and his lawyer may attempt to subpoena any records to win their case. Would you want them to obtain these records from the insurance company? This transitions into the confidentiality aspect of paying out-of-pocket.
Counseling does not have to break the bank. You can go to various counseling directories and look for a counselor who falls within your means, such as on PsychologyToday.com and Counsel-Search.com. If this still seems too high, you can contact your local County Mental Health and ask for local community resources. Most communities have low-cost counseling centers, where pre-licensed counselors, under supervision of a licensed professional, can provide quality services.
5. Confidentiality. By paying your counselor directly, the paper trail is eliminated. Your counselor does have to keep records by law, but those records are kept confidential and can only be released with your permission, by a court order or by imminent emergency, such as suicide or child abuse. So, the chance of your spouse learning of your counseling will only occur if you divulge such information.
Remember, divorce is a business decision with emotional impacts. Don’t let your emotions hinder your ability to take are of yourself and your children. Seek the support you need now and end up in a better place when the divorce is finalized.
