Pros & Cons Of Marital Separation

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Is your marriage on the rocks? Do you feel that you need to get separated now? It is a normal thing that every marriage experiences. Marriage is a turbulent affair that tends to have its own share of ups and downs. You would sometimes feel separation is the final thing for you, but is it so?

A majority of married couples seem to be facing issues in their marital life because of misunderstandings and miscommunication. Sometimes, it so happens that you are not meant for each other and that is known only after you are married. But is divorce the last straw or a separation for a long time good enough for a healthy marriage?

Separation is something that a court decides as per the law of the land. You will be asked the reason for the separation, and the separation is granted on the valid grounds. You will need to ensure that the separation is based on valid grounds. In case you are separating because of one fight, then it is not a valid ground for separation.

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There are some pros and cons of divorce that you need to understand before you actually file for one. Here are the pros and cons of marital separation.

Retain Spousal Benefits
With divorce, you will not be able to gain the spousal benefits. The major benefits such as health insurance, medical insurance are included in spousal benefits. You will not be able to get these benefits in case of divorce. This is one of the major drawbacks while counting the pros and cons of divorce.

Unable to Marry
In case either spouse is interested in remarrying, then marital separation is not the answer. One of the major cons of marital separation is that you are still married but living separately. This means that in case either of you are planning to remarry, you are stuck. You will not be able to move on from this marriage. One of the major benefits while counting the pros and cons of divorce would be that you can remarry once you are divorced.

Gaining Time
With marital separation, you get time to rethink over your marriage. Do you really want to end this marriage or you want to rethink over it during this interim period. One of the major pros of this marital separation is that you will be gaining time to understand your affairs.

Together in Debt
Marital separation has its own set of disadvantages. One of the major disadvantages includes the debt portion. Let’s say while you two were separated, your spouse decided to indulge in a buy that involves debt. Now, the debt would be considered a marital debt and you both would have to share the debt. This can become a major liability for you in case you are financially unsettled or otherwise. Debt is one of the major marriage problems that most couples face.

Beneficial for Income Tax
Well, as they say, marital separation works wonders for income tax. You are still a couple which means you can take the income tax benefits that come with being a couple. This can get you quite a few deductions with regards to the tax.

Alimony Issues
Let’s say you eventually decide to divorce! Now, during your separation period, you would have gained access to some assets which has positioned you better as far as finances are concerned. Now at the time of divorce, the person who has a better financial status is generally asked to pay off the alimony. This can be a disadvantageous situation for you in case things burn down to alimony. You would find that alimony is one of the several marriage problems that couples face when deciding to divorce.