Make Your Own Separation Agreement

A separation agreement is a written contract between two married spouses who want to live apart. 

It outlines the couple’s practical concerns about how they should handle their property, assets, debts, and bills while they are separated. The document additionally details the settlement of important matters, including spousal support and the custody and support for minor children (if any).

The document can be adopted as part of Divorce proceedings if its terms do not violate any State or Federal laws.

Table of Contents

• What is a Separation Agreement?
• How To Write a Separation Agreement
• Tips for Writing a Separation Agreement
• Sample Separation Agreement Template
• Separation Agreement Frequently Asked Questions

What is a Separation Agreement?

A separation agreement is a legally binding document between a married couple who are not yet ready to file for a divorce but have decided they want to live apart. Some states require you to go through the court for the separation agreement to become legally binding.

Separation papers signed by both spouses include financial disclosures and address issues such as child custody, spousal support, and living arrangements. The couple is still legally married and can take advantage of certain insurance and tax benefits.

You may want to use a separation agreement if, for example, you and your spouse have decided to live apart to see if a divorce is what you want. Or if you plan to separate and need to formally agree on how you will divide assets and handle child support or alimony. 

As a reference, a separation agreement may be known by different names in other states, including:

• Separation Papers
• Legal Separation
• Separation Letter
• Marriage Separation Agreement

For additional information, see our complete guide to separation agreements.

How To Write a Separation Agreement

Step 1 – Enter Parties & Marriage Information

You must first begin filling out the separation agreement by including the information of both the petitioner and the respondent. The petitioner is the individual filing for separation. The details that both parties should consist of are the following:

• Name
• Address
• Former Name (optional)
  • If either party would like to go back to using their former/maiden name, then they can request this in the document.
• Marriage date
• Location of marriage
• Current Status
  • Separated: Refers to whether the parties are currently separated but living apart or divorced. 
  • Divorced: A Separation Agreement can be adopted as part of Divorce proceedings if its terms do not violate any State or Federal laws. Parties may also enter into a Separation Agreement to modify an existing court-mandated Marital Settlement Agreement. In either case, it is recommended that the details of the existing divorce proceedings are referenced or attached.

Step 2: Provide Information about Spousal Support

If you and your spouse agree to spousal support, specify which party will be receiving it, how much they will be receiving, and when payments will begin. You should also indicate whether parties can modify the amount and whether there is an end date or an event that will trigger its termination. 

If one spouse must pay spousal support, it is common practice for the supporting spouse to carry a life insurance policy to guarantee payments if they die. The receiving spouse would be named the beneficiary, and the supporting spouse generally must maintain the insurance policy for as long as spousal payments are required.

In this section, you can specify how long the life insurance policy will be and the amount in the policy. 

Step 3: Add Information about Children

You should detail your situation with children if you have any or are expecting. You must include their names and birthdays. Note the number of children you’re expecting if relevant. 

When you’re separating, you will have to decide on the custody arrangement for your kids. You will have the following options:

• Sole legal and physical custody
• Shared legal custody and primary physical custody
• Shared legal and physical custody

If there is an existing court order regarding child custody, you should include its details such as Proceedings, Date, Stage/Judgement, and Court filed in your separation agreement. 

Children Expenses

In this section, you should provide information regarding the following:

• Medical insurance
  • Decide which party will be responsible for your children’s medical insurance and who will be responsible for expenses not covered by the insurance policy. 
• Child Support
  • You can include terms about child support in the separation agreement. Specify who will pay child support, the monthly amount and when the payments will begin. 
  • If the child support amount doesn’t follow the guidelines set by the court, you will have to provide your reasoning as to how you determined your amount. 
• Tuition expenses
  • You can include provisions in the agreement that states one or both parties will provide tuition expenses for school and/or college for any of your children. 
• Special rights and responsibilities
  • Special rights and responsibilities are agreements between the parents regarding the care of the child(ren) and any actions to be taken (or not to be taken) while the child(ren) is in the care of the other party.
  • If one parent has sole legal and physical custody and the other parent does not have visitation rights, this is not necessary. 

Step 4 – Decide on Property

When separating, you will have to agree on how to distribute your real property if there are any. In the case of a married couple, it is typically the marital home. Parties can agree that: 

• One party will keep the marital home and be the sole owner 
• They will sell or lease the home and split the profits 
• They will continue to own the home jointly, and one party will continue to reside there

If the married couple shares other properties, note down their address and specify who will take ownership of the property after separation. Alternatively, both parties can agree to sell it instead. 

The next kind of property is personal property. Personal property is the assets and belongings of the parties that are movable, as opposed to real property (land, house, structure, real estate), which is fixed in nature. 

Both parties should agree on who should own certain items, what items should be sold, and how they will split the profits between them. You should also provide a monetary value for the items so it’s easy to split assets later. 

You should also discuss the distribution of any vehicles with your spouse, and include the description of the vehicles, so there’s no confusion in the agreement. 

Step 5 – Get Your Financials In Order

If you and your spouse have a joint banking account, you need to provide the account details and decide how it will be split. 

Similarly, joint debts can be split or be the sole responsibility of a party, depending on what you and your spouse agree to.

For pensions and retirement accounts, spouses may also be entitled to a portion of the other spouse’s pension and/or retirement plans, which are accounts created or opened in the present to replace income upon retirement. If a spouse paid money into the account while they were married, it might be considered part of the marital estate. Examples of such plans include Individual Retirement Plans (IRAs), 401(k)s, and profit-sharing plans.

Decide if any interests from the pensions or retirement accounts will be awarded to a spouse or split evenly and include the relevant account details. 

Finally, decide when you and your spouse will start filing individual tax returns. It could be at the beginning of a certain year or when the divorce decree becomes final. Then specify who will be responsible for any deficiencies on any prior joint tax returns.

Step 6 – Add in Final Details

This section is where you can throw in any additional provisions you might want to include in the agreement. You can also add witness signatures and notary acknowledgments and specify whether the agreement will be filed in court. 

You don’t need to file your agreement with the court for your separation to be effective. However, the parties can choose to file their separation agreement with the court, especially in states requiring a separation period before a divorce. Filing the agreement can establish the time frame of separation.

If you have filed your agreement and later file for divorce, you can ask the court to merge the agreement into the final divorce decree, where it becomes enforceable by the court. If you do not file the agreement with the court and/or merge it into your final divorce decree, the agreement is like any other legal agreement between you and the other party and enforceable in the same ways.

A separation agreement filed with the court is generally called a Marital Settlement Agreement.

Lastly, date the separation agreement.

Tips for Writing a Separation Agreement

Additional expenses for childcare

As you write your separation agreement, consider additional expenses you may incur for child care. In addition to potential expenses for private school and contributions to college funds, children often require payment for non-budgeted extracurricular activities, such as school sports, school trips, school events, private lessons, etc.

Be sure to specify who is responsible for such expenses. Alternatively, you can consider having a 50/50 arrangement or opening a joint bank account.

Omitted assets or property

Issues related to property division are generally straightforward, and your written agreement will reflect that. However, it’s best to include provisions that address the distribution of forgotten assets, including non-disclosed or omitted property. For example, a 50/50 division will help you avoid going to court in the future.

Seek advice if necessary

Depending on your family’s needs, writing some aspects of your separation agreement can be challenging. If your agreement’s legal or tax-related consequences are complicated, seek financial advice from an accountant or legal advice from an attorney.

As you write, remember that rules regarding separation agreements differ from state to state. Be sure you are using the rules in your state and have determined how they may affect your written agreement. 

Not all states have laws that recognize legal separation, i.e. you cannot petition the court to be separated legally. The states that don’t acknowledge legal documentation of separation are Florida, Delaware, Georgia, Louisiana, Pennsylvania, Texas, and Mississippi. Writing a separation agreement is still a valid means of dealing with finances, support, and child custody issues in those states.

Sample Separation Agreement Template

Below is a sample of a separation agreement available in PDF or Word doc format.

Separation Agreement Frequently Asked Questions