Some people think that there is not much difference between the terms 'separation' and 'divorce.' Either way, the relationship is largely over, and the two individuals may have decided to go their own separate ways, but in legal terms, the difference can be very big indeed. Take the case of a lottery windfall, for example. If the two adults were separated rather than divorced, complications could most definitely arise. If you're in this situation, what do you need to be aware of?