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Original poster

Can any one tell me the facts..

13 replies

StrawberrySnowflakes · 31/01/2007 20:26

about what difference it would make if me and dp were 'married' or had a civil ceremony?
i know yorkie had a thread about this a while back, but i am dim and wanted to know exactly how being 'married' would in any way beneift us as oppsed to just being together for 12 years??

TIA

OP posts:
crispyduck · 31/01/2007 20:28

It depends on what marriage means to you.

VeniVidiVickiQV · 31/01/2007 20:29

Well, there is no need to make a will with regards to children (unless they were born from dec2003 onwards and DP's name is on the certificate).

Also, it simplifies the will/next of kin stuff.

Apparently, there are some benefits you are entitled to should your partner die that you wouldnt get if you were unmarried - particularly so for him I believe.

NotQuiteCockney · 31/01/2007 20:32

It means you have special rights if he is hospitalised, with respect to decisions etc. It means you get some special exemption from inheritance tax, when you inherit half the house from him if he dies. I'm sure there's more ...

Original poster
StrawberrySnowflakes · 31/01/2007 20:34

so would a will and life insurance not do all this?(not being arsy, i really dont know?)

OP posts:
NotQuiteCockney · 31/01/2007 20:36

Living will might sort you out for the hospital thing. Nothing gets you out of inheritance tax like being married - you don't pay inheritance tax on anything you inherit from your husband if you're married. If you're not married, you might have to dig up 40% of any amount of his estate over £300K, which sounds like a lot, but might not be that much if you own a house in London.

Yorkiegirl · 31/01/2007 20:43

Message withdrawn

Bozza · 31/01/2007 20:46

Goodness me, yorkie, I am sure that £400/month would make a lot of difference to lots of people in your position.

Original poster
StrawberrySnowflakes · 31/01/2007 20:52

thanks yorkie..didnt want to shout you as i know its a subject close to your heart..it was you who got me thinking.
dp and i love each other but would never get 'married' as we are not church goers and feel it wouldnt be right, but i(have to discuss with him first tho) wouldnt mind having a civil ceremony, no religion esp if it meant we were more financially secure in event or anything happening to either of us

OP posts:
Original poster
StrawberrySnowflakes · 31/01/2007 20:53

and is that beneift based upon anything like amount of children, other income etc?

OP posts:
Yorkiegirl · 01/02/2007 06:27

Message withdrawn

Original poster
StrawberrySnowflakes · 01/02/2007 13:00

thanks Yorkie, dp has always paid full stamp, i only had the break when on maternity/sick and now pay class 2 amounts as well..so does it also depend on children or not?

OP posts:
Yorkiegirl · 01/02/2007 17:55

Message withdrawn

Original poster
StrawberrySnowflakes · 01/02/2007 20:13

thanks Anna..hope you and the children are all well at the moment?

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