What is the Difference Between Divorce and Legal Separation?

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The main difference between divorce and legal separation is that a divorce legally dissolves the marriage, while a legal separation keeps the marriage intact but allows the couple to live separately and establish binding agreements on various issues. Here are some key differences between the two:

  1. Legal Status: In a divorce, the marriage is legally terminated, allowing both parties to remarry. In contrast, a legal separation maintains the marriage, and the couple remains legally married.
  2. Financial Benefits: Legal separation allows a couple to maintain eligibility for joint health insurance benefits, joint tax filing, and other financial advantages. Divorce, on the other hand, ends these benefits and may affect the duration of spousal support.
  3. Property Inheritance Rights: In a divorce, each spouse loses the right to inherit property from the other upon the death of the spouse. In a legal separation, this inheritance right is preserved.
  4. Child Support: Couples can establish legally binding agreements on child support and custody in both legal separation and divorce.
  5. Debts: In a divorce, the debts are typically divided between the couple, while in a legal separation, one spouse may still be responsible for the other's debts.

Couples may choose legal separation for various reasons, such as personal, financial, or religious reasons. However, if a couple decides to end their marriage, a divorce would be the appropriate choice.

Comparative Table: Divorce vs Legal Separation

Here is a table comparing the differences between divorce and legal separation:

Issue Legal Separation Divorce
Definition A court-ordered status where the parties remain legally married, but live separate lives with specified terms set forth in an Agreement. An end to the marriage where all legal ties are cut, and the parties are free to remarry if they so desire.
Legal Implications The marriage remains intact, and the parties remain married in the eyes of the law. The marriage is legally terminated, and the parties' legal status changes from married to divorced.
Child Custody Draft parenting agreements. Court rules on custody arrangements.
Emotional Impact Confusing; hampers closure. Hard initially, but promotes healing.
Effort Required Active work to potentially reconcile. A clean break to start fresh.
Asset Division Judge oversees the disbursement of assets and debts between the two parties. Parties are free to divide assets and debts as they see fit or as determined by the court.
Taxes Allows couples to continue filing taxes jointly, which can lead to some tax benefits. Remarriage terminates these tax benefits.
Health Insurance One spouse may still be eligible for health insurance coverage from the other. Health insurance coverage ends after divorce.
Retirement Benefits Allows couples to use a legal separation to stay technically married until they reach a certain point to receive Social Security and military benefits. After divorce, parties are not eligible for each other's benefits.
Reversibility Legal separation can be reversed. Divorce cannot be reversed.