IN THE COURT OF APPEALS OF TENNESSEE

AT NASHVILLE

July11, 2002 Session

MONICA L. GOLDBERG V. RUSSELL A. GOLDBERG

 Appeal from the Chancery Court for Williamson County

No. 27310 Russ Heldman, Chancellor

No. M2001-01442-COA-R3-CV - Filed January 16, 2003

This is a divorce case involving alimony and property division. The parties have five children; the

oldest is severely handicapped and the three youngest are minors. The husband is a hospital

consultant. The wife works part-time as a nurse and owns a small business. In addition to child

support, the trial court ordered the husband to pay substantial alimony in futuro, and assume

approximately ninety-eight percent of the marital debt. The husband was also ordered to maintain

a considerable amount of life insurance to secure his spousal and child support obligations. On

appeal, the husband argues that the award of alimony is excessive, that rehabilitative alimony instead

of alimony in futuro should have been awarded, that the trial court improperly divided the marital

debt, and that the amount of life insurance required was excessive. We affirm in part and reverse

in part. We affirm the trial court’s holding with regard to the division of marital debt and the amount

of life insurance, and modify the award of alimony, awarding rehabilitative alimony in a reduced

amount. 

Tenn. R. App. P. 3; Judgment of the Chancery Court is Affirmed in Part and Reversed in

Part

HOLLY KIRBY LILLARD,J., delivered the opinion of the court, in which W. FRANK CRAWFORD, P.J.,

W.S., and ALAN E. HIGHERS, J., joined.

Thomas F. Bloom, Nashville, Tennessee, for appellant, Russell A. Goldberg

Virginia Lee Story, Franklin, Tennessee, for appellee, Monica L. Goldberg

OPINION

Monica L. Goldberg (“Wife”) and Russell A. Goldberg (“Husband”) were married on April 19,

1980. At the time of their marriage, Wife had just earned her Registered Nurse license and Husband

had just completed a dual master’s degree in gerontology and public administration. The marriage

produced five children, the oldest of whom is severely disabled and now lives in a supported group

home funded by the state. 
1

Husband could not recall the exact amount of his severance package, nor did he produce any record of his

severance pay.

-2-

During most of the marriage, Husband worked for Columbia/HCA. Toward the end of his

employment with Columbia/HCA, Husband earned $120,000 per year plus a potential yearly bonus

of $50,000. In October 1997 Husband was laid off and received approximately $160,000 to

$200,0001

in severance pay. This money was used for living expenses and to start a jewelry

company for Wife. Husband’s experience with a for-profit medical institution such as

Columbia/HCA left him with mental health concerns and philosophically unwilling to continue

working at for-profit medical institutions. Consequently, he began working for non-profit medical

facilities. Husband first worked as a consultant for successive non-profit hospitals in Florida,

Alabama, and Washington state. He then obtained a permanent position at Phyve Corporation in

Tennessee, but was laid off approximately seven months later. At the time of the trial, Husband

worked for St. Mary’s Hospital in St. Louis, Missouri, as a consultant, earning $3,350 per week, with

a gross average monthly income of $11,106 per month, and net pay of $6,772.67. After Husband

was laid off from Columbia/HCA, Wife reactivated her nursing license in order to begin working

part time administering allergy shots. She also earned money from the jewelry business, which was

operated out of her home. In 2000, Wife earned approximately $28,000.

On August 17, 2000, Wife filed for divorce, citing Husband’s inappropriate marital conduct.

The next month Husband was ordered to move into an apartment. He was ordered to pay Wife

$5,000 per month pendente lite. At the pendente lite hearing, Wife indicated that her monthly

expenses were $7,270. 

The trial was held on February 20 and 23, 2001. At the time of trial, Husband was forty-six

years old and Wife was forty-two years old. Both parties testified with regard to Wife’s earning

capacity. Citing his experience in health care, Husband testified that Wife had an earning capacity

of $50,000 to $100,000, noting that some hospitals were offering a starting bonus of $10,000. He

asserted that he could use his extensive contacts in the health care industry to assist Wife in obtaining

full-time, flexible work. In contrast, Wife testified that a person with her experience could only earn

between $13.00 and $13.50 per hour, or approximately $27,000 per year. Neither party offered

expert proof with regard to Wife’s earning capacity. 

At the trial, Wife testified that she had revised her calculation of expenses to be $9,175 per

month. Wife said that the marital home was worth approximately $390,000 minus real estate

commissions and repair fees, and was encumbered by approximately $340,000 in outstanding

mortgages. Husband testified that the parties’ home was worth $410,000 to $420,000. The proof

at trial showed that the parties accumulated $76,984.50 in marital debt, which was mostly comprised

of debt consolidation loans, a loan from Husband’s brother, and an outstanding IRS debt from 1999.

Husband also testified that, at that time, he maintained a life insurance policy in the amount of

$300,000. He testified that his bipolar condition and medicine usage would prevent him from

qualifying for additional insurance. 
2

The trial court’s May 22, 2001 Final Judgment appears to order Husband to maintain $500,000 in life insurance

for the child support obligation and $100,000 for the alimony obligation, for a total of $600,000, although the parties,

in their appellate briefs, indicate that Husband was ordered to maintain $850,000 in life insurance.

-3-

Shortly after the trial, on February 27, 2001, the trial court granted Wife the divorce, based

on Husband’s stipulation of inappropriate marital conduct. The final judgment was entered on May

22, 2001. In the final order, the trial court concluded that Wife was incapable of rehabilitation, and

awarded alimony in futuro:

The Court specifically has considered all statutory and all relevant factors in setting

alimony in this cause and finds that Wife is incapable of being rehabilitated and

therefore alimony in futuro is awarded. [Wife] cannot be rehabilitated when viewed

in the context of the standard of living in relation to [Husband]. Her rehabilitation

is not feasible. Alimony in futuro shall terminate upon the death or remarriage of

[Wife] or upon [Husband’s] death. 

The trial court ordered Husband to pay Wife $3,000 per month alimony in futuro, and $3,114 per

month in child support. In addition, Husband was ordered to maintain $500,000 in life insurance

to secure the child support payments, and $100,000 in life insurance to secure the alimony payments.

The trial court allocated approximately ninety-eight percent of the $76,984.50 in marital debt to

Husband. Husband was ordered to pay Wife $6,300 in attorney’s fees. Wife was awarded the

marital home subject to the outstanding mortgages. From this order, Husband now appeals. 

On appeal, Husband argues that the trial court erred in awarding Wife periodic alimony in

the amount of $3,000 per month. He asserts that this amount is excessive and that Wife should have

been awarded rehabilitative alimony instead of alimony in futuro. Husband further argues that the

trial court erred in assigning approximately ninety-eight percent of the marital debt to him, and in

ordering him to maintain $600,000 in life insurance to secure alimony and child support payments.2

Wife asserts that the trial court’s order is appropriate and seeks her attorney’s fees for this appeal.

Because this case was heard by the trial court sitting without a jury, we review the case de

novo upon the record with a presumption of correctness of the trial court’s findings of fact, unless

the evidence preponderates against the decision of the trial court. See Tenn. R. App. P. 13(d);

Wright v. City of Knoxville, 898 S.W.2d 177, 181 (Tenn. 1995). Questions of law are reviewed de

novo without a presumption of correctness. Burlew v. Burlew, 40 S.W.3d 465, 470 (Tenn. 2001)

(citation omitted). In reviewing an alimony award or a division of marital property, the appellate

court will not overturn the judgment of the trial court unless the award evidences an abuse of

discretion. See Lindsey v. Lindsey, 976 S.W.2d 175, 179, 180 (Tenn. Ct. App. 1997). A trial court

abuses its discretion when it reaches a decision against logic that causes a harm to the complaining

party or when the trial court applies an incorrect legal standard. Eldridge v. Eldridge, 72 S.W.3d

82, 85 (Tenn. 2001) (citing State v. Shirley, 6 S.W.3d 243, 247 (Tenn. 1999)). An order requiring

an obligor to maintain life insurance is also reviewed under a standard of abuse of discretion, Tenn.

Code Ann. § 36-5-101(g); Young v. Young, 971 S.W.2d 386, 392 (Tenn. Ct. App. 1998), as is the
3

The factors enumerated in section 36-5-101(d)(1)(A)-(L) are:

(A) The relative earning capacity, obligations, needs, and financial resources of each party, including

income from pension, profit sharing or retirement plans and all other sources; 

(B) The relative education and training of each party, the ability and opportunity of each party to

secure such education and training, and the necessity of a party to secure further education and training

to improve such party’s earning capacity to a reasonable level; 

(C) The duration of the marriage; 

(D) The age and mental condition of each party; 

(E) The physical condition of each party, including, but not limited to, physical disability or incapacity

due to a chronic debilitating disease; 

(F) The extent to which it would be undesirable for a party to seek employment outside the home

because such party will be custodian of a minor child of the marriage; 

(G) The separate assets of each party, both real and personal, tangible and intangible; 

(H) The provisions made with regard to the marital property as defined in § 36-4-121; 

(continued...)

-4-

award of attorney’s fees. Langschmidt v. Langschmidt, 81 S.W.3d 741, 751 (Tenn. 2002) (citing

Aaron v. Aaron, 909 S.W.2d 408, 411 (Tenn. 1995); Fox v. Fox, 657 S.W.2d 747, 749 (Tenn.

1983)).

Husband first argues that the trial court erred in awarding Wife alimony in futuro rather than

rehabilitative alimony. Section 36-5-101(d) of the Tennessee Code Annotated, which governs

awards of alimony, clearly states a preference for rehabilitative alimony when feasible:

It is the intent of the general assembly that a spouse who is economically

disadvantaged, relative to the other spouse, be rehabilitated whenever possible by the

granting of an order for payment of rehabilitative, temporary support and

maintenance. Where there is such relative economic disadvantage and rehabilitation

is not feasible in consideration of all relevant factors, including those set out in this

subsection, then the court may grant an order for payment of support and

maintenance on a long-term basis or until the death or remarriage of the recipient

except as otherwise provided in subdivision (a)(3). . . . 

Tenn. Code Ann. § 36-5-101(d)(1) (2001) (emphasis added). Thus, there is a legislative preference

for an award of rehabilitative alimony when possible. Robertson v. Robertson, 76 S.W.3d 337, 340

(Tenn. 2002); Crabtree v. Crabtree, 16 S.W.3d 356, 360 (Tenn. 2000). The court must first

determine if a spouse is economically disadvantaged, and then consider all relevant factors

enumerated in section 36-5-101(d)(1)(A)-(L),3 as well as any other pertinent facts, to determine if
3

(...continued)

(I) The standard of living of the parties established during the marriage; 

(J) The extent to which each party has made such tangible and intangible contributions to the marriage

as monetary and homemaker contributions, and tangible and intangible contributions by a party to the

education, training or increased earning power of the other party; 

(K) The relative fault of the parties in cases where the court, in its discretion, deems it appropriate to

do so; and 

(L) Such other factors, including the tax consequences to each party, as are necessary to consider the

equities between the parties. 

Tenn. Code Ann. § 36-5-101(d)(1)(A)-(L) (2001).

-5-

rehabilitation of the disadvantaged spouse is feasible. Robertson, 76 S.W.3d at 338; Crabtree, 16

S.W.3d at 358. These factors must also be considered in setting the amount of the alimony award.

See Robertson, 76 S.W.3d at 340. Alimony is not intended to put one spouse on equal footing with

the other, or to let the obligee spouse to live in the manner to which he or she was accustomed during

the marriage. Robertson, 76 S.W.3d at 340; see Crabtree, 16 S.W.3d at 359-60. 

In Robertson, the parties were divorced after twenty-two years of marriage. Robertson, 76

S.W.3d at 338. They were in their early forties and had one minor child. Id. at 339, 343. The

husband earned approximately $60,000 per year working for TVA. Id. at 342. During the marriage,

the wife had primarily been a homemaker, occasionally doing substitute teaching. Id. At the time

of the divorce she had recently earned a degree in education and planned to work as a teacher,

earning approximately $22,500. To increase her salary, she planned to obtain her master’s degree.

Id. The trial court had awarded rehabilitative alimony for one year. Id. at 339. The court of appeals

modified this, awarding alimony in futuro. Id. The court of appeals acknowledged that, after

divorce, the parties often cannot maintain their prior standard of living, but concluded that “the

inquiry as to whether a requesting spouse can be rehabilitated must be viewed in the context of ‘the

standard of living of the parties established during the marriage.’ ” Robertson v. Robertson, No.

E2000-01698-COA-RM-CV, 2000 Tenn. App. LEXIS 573, at *11 (Tenn. Ct. App. Aug. 25, 2002)

(citation omitted). Utilizing this reasoning, the court of appeals concluded that the wife could not

be rehabilitated and should receive alimony in futuro. Id. at *18. 

On appeal, the Tennessee Supreme Court rejected this reasoning. It quoted the alimony

statute, which requires consideration of the parties’ standard of living, along with numerous other

factors. Robertson, 76 S.W.3d at 341 n.2. Nevertheless, it said that it disagreed with the court of

appeals’ conclusion “that the parties’ standard of living should be” the standard by which a court

must determine whether an economically disadvantaged spouse can be rehabilitated. Id. at 340. It

“encouraged” trial courts to use means other than alimony to meet the needs of an economically

disadvantaged spouse, such as the division of marital property or marital debt. Id. at 341. Noting

that the parties had substantial marital debt and thus would not be able to attain their prior standard

of living, the supreme court simply concluded that the wife should be awarded rehabilitative alimony

only, in the amount of $250 per month for two years. Id. at 343.
-6-

Robertson must be viewed against the backdrop of the supreme court’s earlier decision in

Crabtree v. Crabtree, 16 S.W.3d 356 (Tenn. 2000). In Crabtree, the proof showed that the husband

earned in excess of $400,000 per year. Id. at 356 n.1. The wife worked part time as an accountant.

Id. at 360. The most optimistic testimony, provided by the husband, was that the wife had the ability

to earn between $65,000 and $100,000 per year. Id. The trial court ordered both rehabilitative

alimony and alimony in futuro. Id. at 357-58. The court of appeals affirmed the award of both types

of alimony, expressing concern that rehabilitative alimony alone would not enable the wife to

approximate the standard of living from the parties’ twenty-three year marriage. Id. at 359. The

Tennessee Supreme Court rejected this reasoning, awarding rehabilitative alimony alone, without

reference to the parties’ former standard of living or the considerable disparity in their earning

capacity. Id. at 359-61.

From Robertson and Crabtree, we must conclude that, although the alimony statute refers

to the parties’ relative earning capacity and their standard of living as factors to be considered, these

factors have been deemed of only marginal relevance to the issue of whether the obligee spouse can

be rehabilitated. See Tenn. Code Ann. § 36-5-101 (d)(1)(A) and (I) (2001). Rather, the focus under

both Crabtree and Robertson appears to be whether the obligee spouse can earn enough money to

be self-sufficient, even if at a level far below the parties’ former standard of living and even if the

earning capacity of the obligor spouse is far greater.

In the case at bar, the trial court concluded that Wife “cannot be rehabilitated when viewed

in the context of the standard of living in relation to [Husband].” In light of Crabtree and

Robertson, we must conclude that this finding is erroneous; we hold that Wife is capable of being

rehabilitated, and that the award of alimony in futuro must be reversed.

Husband also appeals the amount of alimony awarded, arguing that the trial court should not

have awarded Wife $3,000 per month. Husband asserts that Wife’s need for the funds, coupled with

her ability to earn money, as well as his income level, warrants at most an award of rehabilitative

alimony in the amount of $1,500 per month for ten years, instead of the $3,000 per month alimony

in futuro ordered by the trial court. He notes that in setting alimony obligations, the two most

important factors to consider are the obligee’s need for the funds and the obligor’s ability to pay.

Burlew v. Burlew, 40 S.W.3d 465, 470 (Tenn. 2001) (citations omitted). It is erroneous for a trial

court to order an obligor to pay an amount of alimony beyond his ability to pay. See Goodman v.

Goodman, 8 S.W.3d 289, 296 (Tenn. Ct. App. 1999) (citation omitted) (reducing husband’s alimony

obligation from $2,200 to $1,000 per month, which ultimately reduced his total monthly support

obligation from $4,435 per month to $3,234 per month, allowing him to retain just under fifty

percent of his disposable income). 

In the case at bar, Husband’s gross income is $11,106 per month. His net income is

$6,772.67. After Husband pays his current child support obligation of $3,114 per month and his

alimony obligation of $3,000 per month, he is left with less than $700 per month, or less than ten

percent of his income, to support himself. At the time of trial, Wife earned approximately $28,000

per year, or $2,333.33 per month. Wife testified at trial that she could start in a full-time nursing
4We note that Wife’s stated expenses at the pendente lite hearing were $7,270 per month.

5

This permits Husband to retain $2,158.67 per month, or approximately thirty-two percent of his net income.

6

The factors enumerated in section 36-4-121(c) are:

(1) The duration of the marriage; 

(2) The age, physical and mental health, vocational skills, employability, earning capacity, estate,

financial liabilities and financial needs of each of the parties; 

(3) The tangible or intangible contribution by one (1) party to the education, training or increased

earning power of the other party; 

(4) The relative ability of each party for future acquisitions of capital assets and income; 

(5) The contribution of each party to the acquisition, preservation, appreciation, depreciation or

dissipation of the marital or separate property, including the contribution of a party to the marriage

as homemaker, wage earner or parent, with the contribution of a party as homemaker or wage

earner to be given the same weight if each party has fulfilled its role; 

(6) The value of the separate property of each party; 

(7) The estate of each party at the time of the marriage; 

(8) The economic circumstances of each party at the time the division of property is to become

effective; 

(9) The tax consequences to each party, costs associated with the reasonably foreseeable sale of the

asset, and other reasonably foreseeable expenses associated with the asset; 

(continued...)

-7-

position at $13.00 to $13.50 per hour. Husband opined, based on his experience in health care, that

Wife could earn $50,000 or more per year as a home-based clinical case manager. 

Even considering Wife’s stated expenses of $9,175 per month,4

 we find that the award of

$3,000 per month alimony is excessive and simply beyond Husband’s ability to pay. Therefore, we

modify the award of alimony to $1,500 per month in rehabilitative alimony for a period of ten years,

or upon the death of Wife, if her death occurs before the end of the ten-year period.5

Husband next argues that the trial court erred in assigning approximately ninety-eight percent

of the marital debt to him. The trial court is afforded wide latitude when distributing the marital

property and the marital debt. Watters v. Watters, 959 S.W.2d 585, 590 (Tenn. Ct. App. 1997). The

division of marital property and marital debt is to be equitable, not necessarily equal. See Tenn.

Code Ann. § 36-4-121(a)(1) (2001); Watters, 959 S.W.2d at 591. When dividing marital property

and debt, the trial court must consider the factors set forth in section 36-4-121(c) of the Tennessee

Code Annotated. Tenn. Code Ann. § 36-4-121(c).6

 The Tennessee Supreme Court has encouraged
6

(...continued)

(10) The amount of social security benefits available to each spouse; and 

(11) Such other factors as are necessary to consider the equities between the parties. 

Tenn. Code Ann. § 36-4-121(c) (2001).

7Wife testified at trial that the house had been for sale for a year and had not been sold. The house was

originally listed at $459,000, and had subsequently been reduced to $429,000. The parties owed approximately $341,000

on the home.

-8-

adjusting the division of marital property as a means of meeting the needs of the economically

disadvantaged spouse. Robertson, 76 S.W.3d at 341 (citing Crabtree, 16 S.W.3d at 361 n.4; Renfro

v. Renfro, 848 P.2d 830, 834 (Alaska 1993)). The Robertson court stated:

When practical, . . . a trial court should consider awarding more assets to an

economically disadvantaged spouse to provide future support, rather than relying

solely upon an award of alimony. When there are few marital assets but a

considerable amount of marital debt, a trial court should similarly consider awarding

a disadvantaged spouse a lesser amount of marital debt. Careful distribution of the

marital property may assist the disadvantaged spouse in achieving rehabilitation in

furtherance of the legislative policy of eliminating spousal dependency.

Robertson, 76 S.W.3d at 341. Thus, pursuant to the legislative goal of eliminating spousal

dependency, it is proper for a trial court to divide the marital property and debt in such a way that

helps the disadvantaged spouse achieve financial independence. 

Here, the only marital asset whose value was in dispute was the marital residence. Husband

testified that the property had approximately $70,000 to $80,000 in equity, while Wife’s testimony

indicated that the property had approximately $50,000 in equity, minus repairs and real estate fees.7

Regardless of the amount of equity in the marital home, Wife was apparently granted all of that

equity when the trial judge awarded her the house, subject to the outstanding mortgages. Husband

is responsible for $75,360, or approximately ninety-eight percent of the marital debt, and Wife is

responsible for $1,624.50, or approximately two percent of the debt. 

Applying the statutory requirements and caselaw to this situation, we find that the trial court

did not abuse its discretion when it divided the marital property and marital debt. In this case, during

the parties’ twenty-year marriage, Wife primarily raised the parties’ children while Husband built

his career and enhanced his earning capacity. See Tenn. Code Ann. § 36-4-121(c)(5). Moreover,

Husband’s income is at least four times greater than Wife’s; thus, his ability to acquire capital assets

in the future is much greater than that of Wife. See Tenn. Code Ann. § 36-4-121(c)(2) and (4).

While Husband’s debt obligation is considerably higher than Wife’s allocated debt, his alimony

obligation has been reduced, and as the children grow older, his child support obligations will also

be reduced. Therefore, the trial court’s division of marital property and marital debt is affirmed. 
8

Section 36-5-101(g) states:

The court may direct either or both parties to designate the other party and the children of the marriage

as beneficiaries under any existing policies insuring the life of either party and maintenance of existing

policies insuring the life of either party, or the purchase and maintenance of life insurance and

designation of beneficiaries.

Tenn. Code Ann. § 36-5-101(g) (2001). 

9

If Husband has in fact been ordered to maintain in excess of $600,000 in life insurance, the amount required

is hereby modified to $600,000.

-9-

Next, Husband argues that the trial court abused its discretion when it ordered him to

maintain life insurance in the amount of $600,000. The trial court may require the payor spouse to

maintain life insurance in order to secure payment to the payee spouse in the event of the payor’s

death. See Tenn. Code Ann. § 36-5-101(g);8 Young v. Young, 971 S.W.2d 386, 392 (Tenn. Ct. App.

1998). The decision of the trial court regarding such life insurance will not be reversed absent an

abuse of discretion. Id. at 392. Here, the trial court ordered Husband to maintain $100,000 in life

insurance to secure his alimony obligation and $500,000 in life insurance to secure his child support

obligation. Husband asserts that he currently maintains a $300,000 policy, and that his medical

history would prevent him from economically obtaining additional coverage. At trial, however,

Husband offered no proof that he had attempted to obtain additional coverage, or proof that such

an attempt had been declined. Based on this record, we cannot conclude that the trial court abused

its discretion in ordering Husband to maintain $600,000 in life insurance.9 

Finally, Wife seeks her attorney’s fees on appeal. Here, Wife received the equity in the

marital home, and Husband will still pay over sixty-eight percent of his net income in child support

and alimony, while maintaining responsibility for a substantial amount of the marital debt. Under

all of these circumstances, we decline Wife’s request for attorney’s fees. 

In sum, under Crabtree and Robertson, we find that Wife can be rehabilitated, and therefore

that an award of alimony in futuro is not warranted. We also conclude that the amount of alimony

awarded exceeds Husband’s ability to pay. Therefore, the award of alimony is modified to $1,500

per month for ten years, or upon the death of Wife, if her death occurs before the end of the ten-year

period. We affirm the division of marital property and debt, and affirm Husband’s obligation to

maintain life insurance in the amount of $600,000. Wife’s request for attorney’s fees on appeal is

denied. 
-10-

The decision of the trial court is affirmed in part, reversed in part, and modified as set forth

above. Costs are taxed equally to appellant, Russell A. Goldberg, and his surety, and appellee,

Monica L. Goldberg, for which execution may issue if necessary. 

___________________________________ 

HOLLY KIRBY LILLARD, JUDGE