Civil Partnership

GoonerJDT

If my long term girlfriend and i wanted to, instead of marrying, have a civil partnership what exactly would be the benefits; ie. tax, insurance, pension, etc.
Also what if one is not working?

marcia_

GoonerJDT said:

If my long term girlfriend and i wanted to, instead of marrying, have a civil partnership what exactly would be the benefits; ie. tax, insurance, pension, etc.
Also what if one is not working?

 Civil partnerships give the same benefit as marriage 

ButterCheese

GoonerJDT said:

If my long term girlfriend and i wanted to, instead of marrying, have a civil partnership what exactly would be the benefits; ie. tax, insurance, pension, etc.
Also what if one is not working?

Interesting - I'm in the same position (except my partner is self-employed).  Neither of us want to get married again, we have both divorced once.

Out of interest, why do you want to make it "official"?  For us it's more to do with my work i.e. if I die in service then currently she wouldn't get anything, it would go to my next of kin.  But she'd need the £80k to pay off our house

sheramber

GoonerJDT said:

If my long term girlfriend and i wanted to, instead of marrying, have a civil partnership what exactly would be the benefits; ie. tax, insurance, pension, etc.
Also what if one is not working?

There is the possibility of  transferring some personal tax allowance  if the person not working has no income or small income and other partner is basic rate payer.

Insurance payout will depend on what has been set up when taken out.

Work pension / death in service payment may only pay out to spouse or civil partner.

Without full details of what  you are concerned about full advice cannot be given. 

GoonerJDT

ButterCheese said:

GoonerJDT said:

If my long term girlfriend and i wanted to, instead of marrying, have a civil partnership what exactly would be the benefits; ie. tax, insurance, pension, etc.
Also what if one is not working?

Interesting - I'm in the same position (except my partner is self-employed).  Neither of us want to get married again, we have both divorced once.

Out of interest, why do you want to make it "official"?  For us it's more to do with my work i.e. if I die in service then currently she wouldn't get anything, it would go to my next of kin.  But she'd need the £80k to pay off our house

It is more for legal side of things. If we can possibly claim anything, that we rightfully are entitled to and can, why not. Also as regards passing on pension. Why should the government gain/get more?

sheramber

GoonerJDT said:

ButterCheese said:

GoonerJDT said:

If my long term girlfriend and i wanted to, instead of marrying, have a civil partnership what exactly would be the benefits; ie. tax, insurance, pension, etc.
Also what if one is not working?

Interesting - I'm in the same position (except my partner is self-employed).  Neither of us want to get married again, we have both divorced once.

Out of interest, why do you want to make it "official"?  For us it's more to do with my work i.e. if I die in service then currently she wouldn't get anything, it would go to my next of kin.  But she'd need the £80k to pay off our house

It is more for legal side of things. If we can possibly claim anything, that we rightfully are entitled to and can, why not. Also as regards passing on pension. Why should the government gain/get more?

The government don’t get more from an occupation pension not paying out.

The pension company keep the money.

IHT only applies if your estate is high enough. 

Nobody  is saying you should or shouldn’t make it  official. Some people see disadvantages others see advantages. 

[Deleted User]

Probably the biggest advantage is abroad.

Travelling or living in a country without the equivalent of civil partnership means you're both at the mercy of local interpretation - i.e. from zero to marriage.

Whereas outside the UK, same gender marriage will mostly be regarded as a foreign marriage. This can mean you're both deemed as married even if this isn't something available locally.

Silvertabby

sheramber said:

GoonerJDT said:

ButterCheese said:

GoonerJDT said:

If my long term girlfriend and i wanted to, instead of marrying, have a civil partnership what exactly would be the benefits; ie. tax, insurance, pension, etc.
Also what if one is not working?

Interesting - I'm in the same position (except my partner is self-employed).  Neither of us want to get married again, we have both divorced once.

Out of interest, why do you want to make it "official"?  For us it's more to do with my work i.e. if I die in service then currently she wouldn't get anything, it would go to my next of kin.  But she'd need the £80k to pay off our house

It is more for legal side of things. If we can possibly claim anything, that we rightfully are entitled to and can, why not. Also as regards passing on pension. Why should the government gain/get more?

The government don’t get more from an occupation pension not paying out.

The pension company keep the money.

Yes and no.  Both final salary and annuity factors assume that X number of pensioners will die relatively young, with their unused benefits being used to pay the pensions of those who live into their 90s or even older.

savergrant

GoonerJDT said:

If my long term girlfriend and i wanted to, instead of marrying, have a civil partnership what exactly would be the benefits; ie. tax, insurance, pension, etc.
Also what if one is not working?

Civil partnerships give the same legal benefits as marriage in uk, but avoid some of the language which some may find off-putting. They can also be easier to dissolve and having dissolved a civil partnership may not seem as negative as being divorced  both marriage and civil partnership give a level of security to the relationship, particularly if one party is financially dependent on the other or contributes more in housework or bringing up children.