If you are legally separated from your spouse, you may remain so for as long as the two of you desire. There is actually no need for you to get a divorce at some point.
Getting divorced will only mean that you will be free to marry someone else in the future. You and your spouse may remain legally separated for the rest of your life if you both choose to do so.
Studies indicate that the overwhelming majority of married couples who legally separate get divorced within 3 years of their separation. On the other hand, roughly 15% remain separated indefinitely, many for ten years and longer.
So why would a couple choose to remain legally separated indefinitely rather than getting a divorce?
The advantages of remaining legally separated
By and large, financial concerns appear to be the biggest factors that can determine whether or not a couple remains legally separated for an extended length of time.
In particular, there are a number of specific financial concerns that can have a huge effect on a couple’s decision to remain separated without a getting divorced, whether they live apart or under the same roof.
These financial concerns include, but are not restricted to, the following:
- Health insurance: Remaining legally separated rather than getting divorced can ensure that both spouses continue to be covered by any healthcare insurance they enjoy due to the fact that they are married. This can obviously be a huge advantage if one spouse relies on the other for health insurance.
- Tax benefits: Remaining legally separated rather than getting a divorce can also allow the couple to continue to benefit from certain income tax advantages that are only available to married individuals.
- Social security and/or pension benefits: With regards to a marriage of ten years or longer, an ex-spouse may be entitled to a share of the other spouse’s Social Security or pension benefits. Separated couple who are on good terms may choose not to divorce in order to allow one spouse or the other to reach that ten-year threshold.
- Mortgage/home sale: Some couples may choose to remain separated rather than getting divorced in order to avoid having to incur a loss due to the sale of the family home, or to avoid burdening one or both spouses with mortgage issues.
The drawbacks of remaining legally separated
If you happen to be separated or contemplating a separation, bear in mind that the financial advantages may very well be overshadowed by the following drawbacks:
- Shared debt: Debt is often held jointly by married couples. Depending on the laws of the state where you live, this can mean that one spouse may be responsible for half of the other spouse’s credit card debt, even if they have been separated for an extended length of time. If your spouse doesn’t pay his or her credit card bills, your credit may also be negatively affected.
- Changing financial situations: Each spouse’s financial situations can change significantly over the course of an extended separation. If you wind up getting divorced later on, the spouse who is better off financially at the time of the divorce may have to pay a lot more spousal support than they might have been required to pay had you gotten a divorce at the time you separated. This is despite the fact that the receiving spouse made no contribution (financially, emotionally, or physically) to the paying spouse during the course of your separation.
- Other drawbacks: In the event that one of you dies before you are legally divorced, there can be disputes over the decedent’s estate if other heirs are not aware that you were still legally married.
In addition, if you are estranged from your spouse, and he or she relocates while you are separated, you may have a very difficult time finding them when you do decide that you want a divorce, perhaps in order to remarry.
For more information on the advantages and disadvantages of remaining legally separated for an extended length of time, contact an experienced family law attorney who has knowledge of the laws governing legally separations in your state.