Reply to The financial advantages of NOT getting married

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I would say that had I really thought about it ahead of time, I may have avoided getting legally married for financial reasons. I know a lot of people now that do this. Have the ceremony and party and just never legalize it or wait till a more opportune time. Just get a really good will and a civil union if you want to share health insurance and you may need to if you want to be in the room when she gives birth. Honestly, other than that- it's silly now a days. BUT- being semi sentimental, I do like that we are official, have the same last name, etc. But it certainly wasn't the smart financial thing to do. [/quote]

[b]Many health insurers/orgs allow domestic partners to join the insurance group.  [/quote][/b]

Right, but I'm pretty sure you have to get a civil union in most cases. My sister had to with her significant other while pregnant- they live together happily unmarried but unionized and they just have to file a piece of paper to get it dissolved.

Also, another financial positive to marriage, I refinanced my student debt (non government worker) so I had a pretty low interest rate with SoFi and was happy to pay the rest of it off, but my spouse didn't like the idea of debt in general and wanted to unload it. He had a lot more saved that me, and being married meant he didn't "gift" me the money and therefore have to pay taxes on the gift (anything over $10k I think). I'm now "paying him back" into our savings/investments fund and no longer paying any interest. So that felt like at least one benefit. But that was in a private sector loan situation. [/quote]

Well I'm glad you're "pretty sure" [b]but I'm the HR person here[/b] and I just enrolled someone's domestic partner in the insurance.  All they had to do was file a form.  United Health Care.  [/quote]

1) Never rely on your HR person to know anything - I know too many people, including myself, that have been given completely wrong information so.many.times. 
2) All states are different- whether they call it civil union, domestic partnership, or whatever - you usually have to file something official and pay a fee to get partner benefits. 
3) You obviously seem like someone who will do their homework before making an important life decision such as this - look up your state laws, talk to an accountant/lawyer, call your insurance company, but first and foremost talk to your partner because the most important thing is to be on the same page if finances trump all else.

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