Birdsgottafly
Been busy, I did say extreme cases, but on my Railway Pension Scheme final salary scheme and DWife's Local Government (police staff) final salary pension scheme, we can nominate the beneficiaries of our pension if we die in service. It does say it is usually a partner, but doesn't need to be. It also requests that you keep them up to date, as they can't be changed after you die.
So with out questioning either person to hard we guessed it was that.
Also after losing my brother to a car crash, without a will, my parents had to go through the courts as described by xenia and need to get his estate, he was 20.
A friend and her son had to fight a horrible legal battle to get the inheritance from her partner, been together 36 years, son was 19, his parents, who disapproved of them not been married, and their grandson been born out of wed lock, put ever legal step they could find in their way. He had a will, which they made when he was in this teens and he made no mention of children, just left everything to his parents or charity. His partner never knew he had made that one. Lost about 55% of their inheritance fighting his parents. Onc again extreme I know.
I sadly think most people don't have a clue, about the legal side of marriage or death, especially if no will.
I am sure Xenia will say if I m wrong, but if no joint account and no will, if not married you can't access your partners money until you go through intestate process. I think it's same for married couples, but the courts can make a special order if you can prove hardship.
I am not a lawyer, but it is really complicated and certainly no such thing as "common law", in the law you could live together from 18 to 102, and if you aren't married and there's no will, you are legal entitled to no more then the next door neighbour or any lodger or pet.
Quite shocking when you think about it and how many people obviously don't until the saddest day arrives. Insult added to injury.