All electrical services will have the neutrals and the grounds tied together at the main service disconnect. NEC Article 250.24 says "A premises wiring system supplied by a grounded ac service shall have a grounding electrode conductor connected to the grounded service conductor, at each service, in accordance with 250.24(A)(1) through (A)(5).
This is your 1st tie between the two.
After this, Article 250.142 gives the rules for seperating the two. 250.142(B) says "...a grounded circuit conductor shall not be used for grounding non-current-carrying metal part of equipment on the load side of the service disconnecting means..."
With a few exception, every other location will have them seperated. One exception is an existing dryer or range branch circuit. If it is a new branch circuit, it is required to have them seperated. Another exception is a panel in another building, such as a detached garage. This location may or may not have them seperated, depending on a number of things. A subpanel, or a panel that is in the same building as the main service panel, is required to have the 2 seperated, with no exceptions.
A complete reading of Article 250 of the NEC will give you the requirements.
Respectively
Rick Miell