Phill,
I don't want to disappoint you, but if such a new lens suffers from separation in rear element, it probably should find its way to bin. But if the defect is small, the best way to test the lens is to shoot with it on different apertures and with strong backlighting. The test will tell you if you're losing sharpness and contrast. On f/22 or smaller the defect should be not too visible, unless it diffuses too much light - that's the rear element, alas. What surprises me, it's how comes it started to separate?? Apparently no one uses Canada balsam now, it's replaced for long with UV-curing cements, so a gentle heating of the lens probably won't help at all.