SO HOW WILL THIS WORK?

For hundreds of thousands of gay men and lesbians who are married or plan to be, some things just got more complicated.

Witness the fact that 11 national gay rights groups saw fit to send out a series of 14 fact sheets Wednesday offering guidance to same-sex couples and their families on everything from bankruptcy to veterans’ benefits.

“We want couples immediately to start getting the information they need to protect and provide for their families,” said Mary Bonauto, a lawyer with Gay & Lesbian Advocates & Defenders.

At last count, there were 1,138 provisions in federal laws that listed marital status as a factor in determining benefits, rights and privileges. Those will soon apply to same-sex couples in 13 states and the District of Columbia. But questions abound:

What happens if married couples move to a state without same-sex marriage?

Some federal agencies base marriage rights on where the license was issued, so the federal benefits will follow. For others, including Social Security, it’s the current residence.

What happens to couples in civil unions from New Jersey to Hawaii who get the same state benefits as those who are married?

Federal law does not recognize civil unions, so they won’t qualify for federal benefits — but another legal fight can be expected.

Even divorce could be dicey.

If a married couple moves to a state without gay marriage, they may have to move back to break up.

“Marriage is admission into a whole new world of financial and legal benefits,” said Steve Branton of Mosaic Financial Partners, who recommends updating tax, health, retirement and estate plans. “Take the time to research and review your options carefully.”