The husband has to treat his wife kindly, because Allaah says (interpretation of the meaning):
“and live with them honourably”
Part of living with one’s spouse honourably is having intercourse, which is obligatory upon the husband, as much as is sufficient to satisfy her, so long as it does not harm him physically or distract him from earning a living.
The wife is obliged to obey her husband if he calls her to his bed, and if she refuses then she is sinning, because of the report narrated by al-Bukhaari (32370 and Muslim (1436) from Abu Hurayrah (may Allaah be pleased with him), that the Prophet (peace and blessings of Allaah be upon him) said: “If a man calls his wife to his bed and she does not come to him, and he goes to sleep angry with her, the angels will curse her until morning.”
Shaykh al-Islam [Ibn Taymiyah] (may Allaah have mercy on him) said: She has to obey him if he calls her to his bed, and this is a duty that is obligatory upon her. … If she refuses to respond to his call, then she is being disobedient and wilfully defiant. … as Allaah says (interpretation of the meaning):
“As to those women on whose part you see ill‑conduct, admonish them (first), (next) refuse to share their beds, (and last) beat them (lightly, if it is useful); but if they return to obedience, seek not against them means (of annoyance”
End quote from al-Fataawa al-Kubra (3/145, 146).
But it is not permissible for the husband to force his wife to do that for which she is not able with regard to intercourse. If she has an excuse because she is sick or she cannot bear it, then she is not sinning if she refuses to have intercourse.
Ibn Hazm (may Allaah have mercy on him) said: Both slave women and free women are enjoined not to refuse the master or husband if he calls them for intercourse, so long as the woman who is called is not menstruating or sick and likely to be harmed by intercourse, or observing an obligatory fast. If she refuses with no excuse then she is cursed. End quote from al-Muhalla (10/40).
Al-Bahooti (may Allaah have mercy on him) said:
The husband has the right to enjoy his wife at any time, so long as that does not keep her from performing obligatory duties or harm her; he does not have the right to enjoy her in that case, because that is not part of living with them honourably. But if it does not distract her from that or cause her harm, then he has the right to enjoyment. End quote from Kashshaaf al-Qinaa’ (5/189).
The wife whose husband is harming her by having intercourse too often may come to some agreement with her husband concerning a specific number that she can put up with, and if he does more to such an extent that it is harmful to her, then she has the right to refer the matter to the qaadi (judge), who may determine a specific number and oblige both husband and wife to adhere to that.
Masturbation is haraam, because of evidence that we have quoted in the answer to question no. 329.
There is no sin if the husband is masturbated by his wife’s hand, because it is permissible for him to enjoy her; the same applies if he ejaculates outside the vagina, because of the general meaning of the verse in which Allaah says (interpretation of the meaning):
“And those who guard their chastity (i.e. private parts, from illegal sexual acts)
6. Except from their wives or (the slaves) that their right hands possess, __ for then, they are free from blame”
This has been discussed in the answer to question no. 826.
If the wife will be harmed by intercourse, she will not be harmed if her husband enjoys her in other ways, so she has to allow him to do that.
Both spouses have to tackle this problem in a kind, loving and frank manner; and each of them should understand the rights and duties that they have, because most marital problems stem from ignorance of that.
Some husbands are keen to satisfy their own desires, and they hasten to do that without caring about their wives or paying attention to their right to pleasure, so the wife finds no enjoyment in it and is put off by it, and it becomes a problem and a burden for her.
Hence we say: Strive to create love and affection between you and your wife; pay attention to her situation and understand her feelings; avoid that which will harm her or hurt her. Tell her of the shar’i ruling concerning this issue and help her to follow it, and do not put her off, and be moderate in your approach, and you will get what you want.
May Allaah help us and you to obey Him and seek His pleasure.
And Allaah knows best.