Cyclic volume changes and non-uniform electrodeposition/stripping, among other cycling-induced chemo-mechanical degradation of lithium metal and lithium-alloy solid state batteries, lead to contact loss between the anode and the solid electrolyte separator[1, 2]. In-operando experiments have shown ac-celerated short-circuiting behavior due to contact loss in “anode-free” solid-state batteries[2]. Simulations reveal the relationship between active area fraction and the ratio of effective conductivities in made-up active area configurations[3]. Through modeling experiments using imputed active con-tact area of lithium-metal anode batteries, we quantify the effects of this contact loss in terms of accelerated chemo-mechanical degradation and de-creased rate capability. Specifically, we (1) quantify the interfacial resistance due to this contact loss, (2) show non-uniform local current density distribution such that local current densities could exceed lithium filament growth critical current densities, (3) show uniaxial stress inhomogeneity due to non-uniform reaction at the anode/separator interface, and (4) show non-uniform reaction distribution at the positive electrode.Besides allowing for the optimization of designs to minimize contact loss, our work sheds light on tradeoffs in the design of solid electrolyte separators.