Basta separarsi o devo anche divorziare?

Molto spesso, nel gergo comune, si tende ad utilizzare i termini “separazione” e “divorzio” come se fossero intercambiabili. In realtà non è affatto così.

Separazione e divorzio, infatti, differiscono radicalmente e diversi sono gli effetti che ciascun istituto produce.

Le differenze tra i due istituti attengono, principalmente, ai seguenti diritti: ASSEGNO DI MANTENIMENTO/DIVORZILE, DIRITTI SUCCESSORI, PENSIONE DI REVERSIBILITA’ e TFR.

Di seguito li analizzeremo sinteticamente tutti, prima con riferimento alla separazione e successivamente al divorzio.

Sseparazione è una fase transitoria del rapporto coniugale, in cui i coniugi sono autorizzati a vivere separati, che può trasformarsi in una riconciliazione o, alternativamente, nel divorzio, di cui si parlerà di seguito.

Con riferimento all’ASSEGNO DI MANTENIMENTO(che si definisce così solo in sede di separazione, dal momento che nel divorzio si parlerà di ASSEGNO DIVORZILE), esso ha la finalità di assicurare al coniuge c.d. più debole, ossia quello con il reddito inferiore o privo di reddito, lo stesso tenore di vita goduto in costanza di matrimonio. Il giudice definisce la somma da corrispondersi valutando, caso per caso, le effettive capacità reddituali e patrimoniali dei coniugi, in modo da ridurre al minimo o eliminare la sproporzione economica tra le parti.                                              L’assegno di mantenimento non è dovuto al coniuge cui sia stata addebitata la separazione.

Quanto ai DIRITTI SUCCESSORI, se uno dei coniugi muore mentre la coppia è separata, il superstite succede esattamente come se fosse ancora marito/moglie del defunto. L'art 585, 1 comma c.c., infatti, così dispone: “Il coniuge cui non è stata addebitata la separazione con sentenza passata in giudicato ha gli stessi diritti successori del coniuge non separato”.                                                                Diversa è la situazione nell’ipotesi in cui il coniuge superstite avesse subito l’addebito della separazione (o in caso di separazione addebitata ad entrambi i coniugi): in tal caso, a norma dell’art 548 comma 2 c.c, il superstite ha diritto soltanto ad un assegno vitalizio se al momento dell'apertura della successione godeva degli alimenti a carico del coniuge deceduto, e sempre che la separazione sia stata sancita con sentenza passata in giudicato. Tale assegno è proporzionato non solo alla consistenza dell’eredità, ma anche alla qualità e al numero degli eredi legittimi. In ogni caso, esso non potrà mai essere di entità superiore a quella della prestazione alimentare di cui il superstite godeva.

Relativamente alla PENSIONE DI REVERSIBILITA’, tale diritto non viene meno con la separazione: il coniuge superstite ha diritto alla pensione di reversibilità del defunto, e questo anche laddove egli abbia rinunciato all'eredità (ad esempio perché gravata da debiti). La pensione di reversibilità spetterebbe, in base a pronunce numerose ,anche attuali, della Cassazione, anche al coniuge cui era stata addebitata la separazione (tra le più recenti, Cass. n. 2606/2018).

Infine, con riferimento al TRATTAMENTO DI FINE RAPPORTO(la c.d. “liquidazione” versata al lavoratore nel momento in cui il rapporto di lavoro giunge al termine), il coniuge separato non ha alcun diritto sul Tfr, neanche se egli percepiva l'assegno di mantenimento.

Di conseguenza, se dopo la pronuncia di separazione (ma prima del giudizio di divorzio, ove il TFR invece è riconosciuto, come si dirà) il coniuge percepisce il TFR, nulla è dovuto all'ex coniuge separato, che potrà solamente chiedere al Giudice di prendere in considerazione questa somma ai fini della quantificazione dell'assegno di mantenimento (qualora sia in corso il giudizio di separazione) o di un eventuale aumento dello stesso (in sede di modifica delle condizioni separative).

mantenimento minori

Ddivorzio: con il divorzio cessa definitivamente il vincolo matrimoniale tra marito e moglie, sancendo lo scioglimento o la cessazione degli effetti civili del matrimonio (quest’ultima si ha se è stato celebrato matrimonio concordatario con rito religioso).

Partendo dall’ASSEGNO DIVORZILE, quest’ultimo è finalizzato unicamente ad assicurare l'autonomia e l'indipendenza economicadel coniuge con il reddito più basso o privo di reddito. Esso può essere corrisposto periodicamente o in unica soluzione, e non è parametrato al tenore di vita goduto nel rapporto patrimoniale (differentemente dall’assegno di mantenimento, come detto).

Quanto ai DIRITTI SUCCESSORI, alla morte dell'ex coniuge il superstite non ha alcun diritto sul patrimonio ereditario. Quest’ultimo è conseguentemente devoluto interamente agli eventuali eredi. Ci sono però delle eccezioni, dal momento che il coniuge superstite può aver diritto alla PENSIONE DI REVERSIBILITA’, come si dirà di seguito, e ad un ASSEGNO GRAVANTE SULL’EREDITA’, ma solo qualora egli percepiva già un assegno di divorzio e si trovi in stato di particolare bisogno.

La PENSIONE DI REVERSIBILITA’del coniuge defunto spetta, in parte, al coniuge divorziato superstite, come disposto dall'art., 9, comma 2°, della legge 1° dicembre 1970, n. 898. In particolare, il coniuge superstite ha diritto ad una quota della pensione calcolata in ragione della durata del matrimonio, del diritto al mantenimento e delle condizioni economiche del soggetto beneficiario.                                  C’è da specificare, però, che la pensione non è dovuta sempre e comunque, ma solo alle seguenti condizioni:

  • il rapporto di lavoro da cui scaturisce la pensione è antecedente alla sentenza di divorzio;
  • il coniuge superstite ha diritto all'assegno divorzile periodico al momento del decesso.
  • Il coniuge sopravvissuto, dopo il divorzio non è passato a nuove nozze (anche perché in tal caso non gli spetterebbe l’assegno divorzile).

Per finire, il TRATTAMENTO DI FINE RAPPORTO, come disposto dall’art. 12 bis della L. n. 898 del 1970, spetta nella misura del 40% al coniuge divorziato superstite (con riferimento agli anni in cui il rapporto di lavoro è coinciso con il matrimonio) qualora quest’ultimo:

  • sia titolare di un assegno divorzile periodico;
  • non si sia risposato.

Alla luce delle citate differenze, è facile comprendere come separazione e divorzio delineino due situazioni diverse.

E, seppur vi siano una serie di diritti che nonostante il divorzio permangono (e che rendono difficile determinare aprioristicamente se “conviene” o meno divorziare, scelta che dipende peraltro dalle peculiarità del singolo caso), è indiscutibile che la separazione rappresenti una situazione di stand by, con conseguente mantenimento del vincolo coniugale.

È solo con il divorzio, infatti, che qualsiasi legame tra marito e moglie cessa in via definitiva.

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