11 Ways Marriage Changes Your Life Legally and Financially

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5. Social service benefits.

You won’t be collecting his social security in the event of his death by just being a live-in girlfriend (although if he has signed your children’s birth certificates they may be entitled).  In addition, unmarried couples are denied withdrawal rights and protective tax treatment given to spouses with regard to IRA’s and other retirement plans.  So even if he has his finances in order, it means nothing if you have no legal right to them.

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