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Legal separation vs divorce: What’s the difference?
There are plenty of reasons to elect for legal separation instead of divorce. Understand the difference to figure out what’s right for you.
Published on January 27, 2023 · 8 min read
Last modified: January 21, 2026
The breakdown of a marriage can be incredibly stressful, and figuring out what comes next may feel overwhelming. Once it becomes clear your marriage is no longer working, you face a critical choice: pursue a legal separation or move forward with a divorce.
Understanding the differences between legal separation and divorce is essential because each path carries distinct legal, financial, and personal implications. Many people do not realize the fundamental differences between these two options or the significant impact that the right choice can have on their long-term stability.
Key Takeaways
- Legal separation keeps you married, while divorce permanently ends the marriage.
- You cannot remarry during a legal separation, but divorce restores the ability to remarry.
- Legal separation may preserve benefits like health insurance or Social Security that often change or end after divorce.
- Cost and timing vary, with separation often being less expensive and sometimes required before divorce in certain states.
- Choosing between legal separation and divorce depends on your financial situation, personal beliefs, state laws, and long-term objectives, making legal guidance important.
What is separation?
Separation means spouses live apart and lead independent lives while remaining legally married. They keep certain rights that end only if they pursue a divorce. There are several types of separation, and each one works differently depending on your state.
When considering legal separation vs divorce, it helps to understand that separation allows you to maintain the legal marriage. Divorce, on the other hand, ends the marriage entirely. Each type of separation carries different implications, and these differences matter when deciding between legal separation vs divorce.
Trial separation
Couples who wish to live apart for a period of time while they work on repairing their relationship and who have no intention to immediately file for divorce often choose a trial separation.
You might want to take advantage of this option if you’re committed to trying to reconcile with your spouse but need a break from everyday issues that have strained your marriage.
Trial separation isn’t permanent and requires both spouses to be on the same page regarding a timeframe and rules for the separation period. It has no legal impact on your marriage, so any property acquired during this time is subject to the same laws as that acquired during the marriage.
Permanent separation
Couples who have no hope of reconciliation and choose to go their separate ways but aren’t yet divorced may opt for a permanent separation.
This type of separation has more legal consequences than trial separation because most states distinguish between your and your spouse’s assets, debts and incomes once the separation begins. If you decide to go this route, talk with an attorney, because each state has different rules for this process. Also keep track of the date your separation started and be able to verify it if necessary.
This date can impact your future legal separation or divorce case. Remember that until you file a legal document with the court, your permanent separation isn’t a legal one.
Legal separation
Legal separation is the formal, legally binding version of permanent separation. Spouses sign and submit a separation agreement to court for approval, and they live separate lives.
This version of separation affects the division of property, child custody, child support and spousal support. Any financial obligations incurred after the separation is made legally binding through a final order or judgment are the sole responsibility of the spouse who made the obligation.
What’s the point of legal separation?
One of the key advantages of legal separation over divorce is that it allows spouses to resolve important issues, such as finances, custody, and support, while still maintaining the marriage. This unique structure can be helpful in several situations.
Legal separation may be the better choice when:
- You want time to see whether reconciliation is possible
- Your religious beliefs permit separation but not divorce
- You want to formalize support and parenting arrangements without permanently ending the marriage
- You are unsure about divorce and want an interim step
- You need to maintain benefits that often end with divorce
Understanding these benefits makes it easier to weigh your legal separation vs divorce options.
Separation agreements
If you and your spouse decide that living apart is the best option, but you don’t feel like you’ve reached the point of filing for a divorce, you may want to draw up a separation agreement.
Both spouses sign this legal document. It lists the rules and timeline for the separation and is used to divide your assets and responsibilities for the duration of the separation period.
If at any point you decide to proceed toward divorce, and especially if the divorce is uncontested, you may submit the separation agreement to the court before starting the divorce proceedings. However, each state has different rules for this process, so talk with an attorney.
Differences between separation and divorce
If you’re at the stage where you’re considering legal separation versus divorce, the most important thing to realize is that while a divorce legally terminates your marriage, separation means you’re still legally married.
Though laws differ from state to state, other differences may include:
Legal separation allows you to keep your marital status. You can’t remarry unless you get a divorce.
Separated spouses are still considered next-of-kin, so they may be able to make financial and medical decisions.
Health care and social security benefits remain intact for separated spouses, while some of those benefits change or terminate upon divorce.
Legally separated spouses may still be responsible for each other’s debts, whereas that responsibility is resolved during divorce proceedings.
If one spouse dies during a legal separation, the surviving spouse preserves legal rights to any of their property benefits. A divorce terminates those rights.
Required separation before divorce
Some states and districts require a separation period (sometimes referred to as a “waiting period”) before allowing couples to either file for divorce or receive a divorce decree. The minimum duration of these waiting periods depends on the state. Consult an attorney to verify the rules in your state.
Legal separation vs divorce: Pros and cons of choosing separation
When deciding between legal separation and divorce, understanding the advantages and disadvantages of each option can help you choose the path that best suits your circumstances. Below are the main pros and cons of legal separation to consider in your legal separation vs divorce decision.
Pros
Separation gives you and your spouse time to consider if you can and want to reconcile.
You have the option to retract the separation without involving the court.
One partner can remain covered by their spouse’s health and insurance policies.
You and your spouse can still file taxes jointly, taking advantage of the tax benefits enjoyed by married couples.
If you’ve been married for more than 10 years, you can retain access to important social security benefits.
In some cases, it’s cheaper to file for legal separation than to go through a divorce.
You can legally date other people.
You can live separate lives, even if your religion prohibits divorce.
Cons
You’ll still have to go through a divorce proceeding and pay for it if you decide to legally end the marriage.
Your tax deductions may decrease.
You may not be able to keep all the health benefits through your separated spouse if their plan is employer-sponsored.
How do I get a separation?
This is one of the main differences between separation and legal separation.
For trial and permanent separations, both spouses need to agree to live separately. Although not required, it’s a good idea to create an agreement regarding the rules of your separation. That agreement, even if informal, will help if you decide to make your separation legal or pursue a divorce.
If you want to legally separate from your spouse, in most states you can do so by filing a petition in family court. How the separation becomes binding varies from state to state. Some require a trial or stipulated judgment, while others are final once a judge grants your petition and issues an order covering the specifics of property division as well as spousal and child support.
When to Choose Legal Separation vs Divorce
The best choice depends on your personal, financial, and legal circumstances. Consider the following guidance:
Choose Legal Separation If:
- You need time to decide whether divorce is the right long-term choice
- Your religious beliefs prohibit or discourage divorce
- You want to maintain spousal benefits, such as health insurance or Social Security
- You are concerned about the financial impact of divorce
- You want an option that preserves the marriage but still allows formal agreements on custody and finances
- State law requires a period of separation before divorce
- You want a legal structure that is easier to reverse if circumstances change
Choose Divorce If:
- You are certain you want the marriage to end permanently
- You want the legal ability to remarry
- You want to fully terminate marital obligations and financial ties
- You prefer clear legal finality
- You are prepared for the financial and procedural requirements of divorce
- You do not need to preserve spousal benefits
Talk to a lawyer
No matter where you stand on the “separation vs divorce” issue and the specifics of your situation, consult with a family law lawyer. Each state has its own laws regarding property and debt divisions, so it’s crucial to ensure that you have all the information and facts you need before making your final decision.
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Author Bio
Michael Gower
California managing attorney
With nearly two decades of experience, Michael Gower is a trusted leader in California family law & a Certified Family Law Specialist, and currently serves as Marblely’s Managing Attorney for California, where his role involves guiding individuals and families through some of life’s most challenging transitions. Known for his unwavering commitment to client success, Michael has built a reputation as a compassionate advocate and skilled, strategic lawyer.
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