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Good evening and thank you for your patience. I'm afraid I was extremely busy at work today so I've only just logged back into Just Answer.
So, the inheritance is not a matrimonial asset. The starting point for any financial division following a long marriage is a 50:50 division of the matrimonial assets ("the yardstick of equality"). There are a number of factors such as the needs of dependent children, age of the parties, health, respective incomes, etc - the list is endless and specific to each case. Where possible, the courts will keep inheritance at arm's length. As it was not acquired during the marriage, your husband cannot say it is part of the matrimonial pot to be divided between you.
With regard to the pension, he would be entitled to half as it's a matrimonial asset acquired during your 31 years of marriage. The only way you would protect that is by offsetting another asset against his notional share of your pension, i.e. giving him a lump sum payout instead of a pension share. I don't like to be the bearer of bad news but I'm afraid your options in relation to the pension are stark if he has no pension provision of his own and you have built up such a large pension fund.
NHS pensions are 'gold plated,' similar to MOD, military and police pensions and worth an awful lot in comparison to private 'money purchase' pensions. I suspect your husband knows that. He would also say that you lived together for a number of years before marriage and that 'the cohabitation moved seamlessly into marriage.' What that means is, from a legal perspective, you lived together and shared your finances accordingly before marrying and carrying on the same arrangement. To all intents and purposes, the overall length of time you have been together would be instrumental in how the matrimonial assets are divvied up.