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Health Insurance In An Unmarried Relationship

Thanks to the gay rights movement and the example, it's possible that the
increase of both unmarried heterosexual less-expensive HMO may raise objections,
and homosexual couples living together while the more expensive Preferred
throughout Texas and the United States, Provider Organization (PPO) or the
the workplace trend toward traditional indemnity plan may not. If
domestic-partner benefits is improving you have questions about your plan, talk
the lives of many committed couples, to your human resources department or
regardless of sexual orientation or call the insurer directly.
marital status. Share the power
As of March 1, 2006, only 49 percent of If you're the partner holding the policy,
the Fortune 500, 78 percent of the it doesn't necessarily mean you can make
Fortune 100 largest corporations, and a any health care decisions for your
small percentage other, smaller significant other if or when he/she is
businesses, organizations and educational unable to make them. Married couples have
and government entities offered health much broader rights. A healthcare power
benefits to employees' domestic partners, of attorney can overcome what could be a
according to a recent study by the Human big issue in an emergency. It has nothing
Rights Campaign Foundation. to do with money. It simply allows the
And while it's true that the number of person you designate - in this case, your
companies involved is relatively small, partner - to make medical decisions on
there are some very large employers, such your behalf if you are unable. It also
as the Big Three automakers, who have can ensure that if you become ill, your
jumped on the bandwagon. The number of partner will be able to visit while
individuals affected also is limited, but you're in the hospital. The document,
the unmarried couple-count is on the rise which should be prepared by an attorney,
and many unmarried households include can also specify the names of physicians
children who could be important and limit the use of life-extending
beneficiaries of domestic-partner health procedures. But it doesn't have to be
insurance. that complicated. Keep the completed
If your employer or your partner's document someplace, other than a safety
employer offers domestic partner deposit box, so it is accessible when you
benefits, here are some things to need it most.
consider before you sign up: It's Over and You're Moving On.
Follow the Rules Most employer-sponsored group policies
Most companies require that your require that you inform the company
significant other be 18 or older, not immediately if your living situation
related to you by blood or married to changes. A recent federal court decision
someone else. You and your partner must left open the possibility that COBRA
live in the same permanent residence in could cover domestic partners. COBRA is
an exclusive, emotionally committed, the Consolidated Omnibus Budget
financially responsible relationship, Reconciliation Act - federal legislation
similar to marriage. You may be required that requires many businesses to keep
to show you share a lease or a mortgage, former employees and their dependents on
an insurance policy, utility bills, a the group health plan for a limited
joint checking account, etc. period. COBRA regulations allow a
The Taxing Situation divorcing spouse to keep the estranged
While the IRS allows the cost of health spouse's insurance for up to 18 months.
benefits for married spouses and The federal court decision said this
dependents to be tax deductible, it didn't specifically exclude domestic
hasn't yet given the same rights to partners. But the likelihood an unmarried
unmarried couples. So the amount of money partner will be able to claim COBRA is
that your employer pays for health slim. That means that the partner could
insurance for an unmarried partner and be left without his or her own insurance
any children will be included as taxable with little or no notice.
income on your W-2. With only 49 percent of Fortune 500
Insurers May Not Agree companies and an even smaller percentage
While your company may be willing to pay of small businesses offering health
for these benefits, not all health benefits to employees' domestic partners,
insurance companies whose plans are this still leaves a large majority of
available to an employee may agree. Some unmarried couples with possibly one
insurers are concerned that domestic individual in the relationship uninsured.
partner benefits will drive up costs. For




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