Can a domestic partner collect social security

Social Security recognizes a common-law marriage if:

  • The couple lives in a state where common-law marriage is legal, or did so when the marriage began.
  • The couple can show Social Security that they are in such a relationship (more on that below).

If you meet these tests, you are entitled to the same spousal and survivor benefits, subject to the same conditions, as a couple that obtained a marriage license and held a ceremony.

Social Security regulations list 10 states that currently recognize common-law marriage (some by laws on the books, others by court precedents): Colorado, Iowa, Kansas, Montana, New Hampshire, Oklahoma, Rhode Island, South Carolina, Texas and Utah. The District of Columbia does, too. Rules on cohabitation and other criteria for establishing a relationship as a common-law marriage vary widely from state to state.

Sixteen more states formerly recognized such relationships, and if your common-law marriage began when the practice was still legal in your state and it met that state’s criteria, Social Security will affirm it. In most of those states, the question is largely academic; 11 stopped recognizing common-law marriages more than 50 years ago. The issue may be more pertinent if you were common-law married in Alabama (where the practice was outlawed in 2017), Georgia (1997), Idaho (1996), Ohio (1991) or Pennsylvania (2005).

Once you’ve cleared the state hurdle, it’s mainly a matter of Social Security paperwork. Both common-law spouses must complete a “Statement of Marital Relationship” (form SSA-754) and provide an additional statement from a blood relative affirming the marriage (form SSA-753). If your common-law spouse has died and you are seeking survivor benefits, you must provide your own statement, one from a blood relative of yours and two from blood relatives of the deceased. Social Security may seek corroborating evidence that the couple consider (or considered) themselves spouses, such as mortgage or rent receipts, insurance policies or bank records.

If you live in a state that does not recognize common-law marriage, you’re out of luck, Social Security–wise. Recognition of common-law marriages established abroad varies by country and may require an opinion from Social Security’s legal office; if you are in such a relationship, contact Social Security to ask about your status.

Keep in mind

  • The children of common-law spouses who are both deceased may qualify for survivor benefits. In applying, they must provide an SSA-753 form from a blood relative of each parent.
  • The question of Social Security benefits for common-law marriages between same-sex partners is legally unsettled. The Supreme Court‘s landmark Obergefell ruling required states to issue marriage licenses to same-sex couples; it did not specifically address common-law marriages. How states are applying Obergefell to such relationships is being addressed piecemeal, as relevant cases (for example, involving divorce or inheritance) work their way through state courts.

Updated February 18, 2020

If you have worked and earned sufficient income, you are eligible for Social Security benefits, which include retirement. If you pass away, Social Security also allows for survivor's benefits for your spouse and dependent children. Because Social Security is a federal program, however, it conforms to federal law, including a statute passed in the 1990s known as the Defense of Marriage act. This affects common-law spouses and "domestic partners."

State Laws

If you have a common-law spouse or domestic partner, the laws of your state may recognize your marriage as fully legal. You enjoy all the civil rights and protections afforded to other married couples, including the right to state pension and disability benefits. For Social Security survivor's benefits, however, federal law is applicable and supersedes state law.

Defense of Marriage Act

Passed in 1996 and signed into law by President Clinton, the Defense of Marriage Act bars all federal benefits to same-sex couples or domestic partnerships of any variety. This extends to Social Security spousal and survivor's benefits, which are unavailable to domestic partners even if their marriage is recognized by state law. A domestic partner is treated by Social Security at all times as a single individual and eligible for benefits only on his own record of Social Security payments.

Conventional Marriages and Social Security

Conventional marriages afford partners additional benefits from the Social Security system. This includes survivor's benefits beginning at age 60, spousal benefits at age 62 and benefits for dependent children, all on the record of a single wage earner. These benefits are collectively subject to a family maximum amount, however, which averages between $1,500 and $1,800 a month.

Lump-Sum Death Benefits

Social Security also denies lump-sum death benefits to domestic partners. This benefit of $225 was available on the death of a covered worker and intended to assist the surviving spouse with funeral and burial arrangements. Taking all Social Security programs into consideration, a 2009 study by the Center for American Progress found that the law resulted in a denial of $8,000 per year, on average, in benefits otherwise available to partners in a conventional marriage.

References

Writer Bio

Founder/president of the innovative reference publisher The Archive LLC, Tom Streissguth has been a self-employed business owner, independent bookseller and freelance author in the school/library market. Holding a bachelor's degree from Yale, Streissguth has published more than 100 works of history, biography, current affairs and geography for young readers.

What are the benefits of being a domestic partner?

What Are the Benefits of a Domestic Partnership?.
sick and bereavement leave..
health, dental, and vision insurance..
death benefits and inheritance rights..
visitation rights in jails and hospitals..
the power to make medical or financial decisions for a partner..
accident and life insurance..
housing rights, and..

Can a domestic partner get your Social Security?

It does not confer inheritance rights. By contrast, the state of California has a domestic partnership statute, which gives same-sex domestic partners the same rights, protections, and benefits as are granted to spouses.

Can you collect Social Security if you are not married?

Nothing keeps you from getting own Social Security benefit whether you're married or not and whether your husband collects Social Security or not. ∎ Your retirement benefit is figured the same way a man's retirement benefit is figured.

Does domestic partnership affect SSI?

At that point, these same-sex spouses will be eligible for federal spousal benefits such as Social Security. Couples who remain in domestic partnership (such as those with at least one partner over 62 who choose not to convert their relationship to a marriage) will not be eligible for Social Security spousal benefits.