The Rights of Unmarried Couples Upon Separation
A cohabiting couple is an unmarried couple who live together.
There are some 3.5 million cohabiting couples in the UK and they account for 18% of all couples living together.
But although cohabitation is common practice, there is still some confusion regarding the legal rights and responsibilities of cohabiting couples vis-à-vis their married counterparts.
Does “common law marriage” exist in the UK?
No. There is no such thing as “common law marriage” in the UK.
Many people assume that long-term cohabiting couples eventually gain some of the legal rights afforded to their married counterparts.
This mythical concept is termed “common law marriage” and still confounds many cohabiting couples when they separate.
Even in the case of unmarried couples who spend their entire lives under the same roof and raise a family together, they do not gain the protections or legal status conferred by marriage.
Do unmarried couples have the same rights as married couples in the UK?
No, unmarried couples do not share the rights, responsibilities, protections, or status held by married couples. This is the case whether or not they live together.
Cohabiting couples retain their individual assets when they separate irrespective of the financial situation of either party.
This is in stark contrast to married couples who need to add most of their assets to the “matrimonial pot” and divide them upon divorce, with the starting point being a 50:50 share.
2 Things To Know About Unmarried Couples Rights
1.Are unmarried partners entitled to spousal support upon separation?
No. There is no equivalent of spousal support for unmarried couples.
Unlike a married couple who get divorced, there is no obligation for either cohabitee to support their former partner, irrespective of their financial situation.
2.What happens to debts upon separation?
Just as with assets, any debts upon separation will be attributed to the individual who is indebted.
Subject to any agreement to share debts, there will be no obligation for the other party to contribute to payment of debts in the name of their former partner.
What are the legal rights of unmarried couples if one partner dies?
If one partner of an unmarried couple dies, their surviving partner does not automatically inherit a portion of their estate by virtue of having been their partner.
Instead, the instructions contained in the will of the deceased will determine how their estate is apportioned.
In the absence of a provision in the will, the surviving partner may be able to make a claim under the Inheritance (Provision for Family and Dependants) Act 1975. Under this legislation, they might be able to claim a portion of the estate if:
- the couple had been living in the same household as if they were a married couple for a period of two years prior to the date of death; or
- the surviving partner had been maintained by the deceased and no proper provision had been made for them.
NB: The government is planning to extend Widowed Parent’s Allowance and Bereavement Support Payments to surviving cohabiting partners with children who were living with their partner at the time of death.
What rights do unmarried couples have upon separation?
If an unmarried cohabiting couple jointly owns their home, they will both be entitled to continue living in the property after separation until they sell it. They will retain their respective share of the equity.
If the property in which they lived is owned outright by one party, their former partner will have no automatic right to any share of the equity.
However, the non-owner can argue that they have a beneficial interest in the property if (i) they made regular contributions to mortgage payments and (ii) there was an intention to share ownership of the property.
Unmarried couples who have children have the same parental rights and responsibilities as married parents.
Financial obligations with regard to the upkeep of children will continue after the breakdown of a relationship, irrespective of whether it is a divorce or the separation of a cohabiting couple.
In general, unmarried couples have no right to benefit from their partner’s pension, unless they are named formally as a “nominated beneficiary”.
There is currently an exception to this rule in respect of the Local Government Pension Scheme in England, Wales and Scotland.
Can unmarried couples have a joint will?
A joint will – also known as a mirror will – is a will that essentially mirrors the provisions contained in another will.
Joint wills are often used by couples who want to ensure they are both provided for in the future.
They can be drafted by unmarried couples in the same way as their married counterparts.
However, it is more important for unmarried couples to both have a will in place, as they won’t automatically inherit any portion of their deceased partner’s estate.
What is the Cohabitation Rights Bill 2020?
The Cohabitation Rights Bill could change the situation regarding the legal rights of unmarried couples if it ever becomes law.
It aims to establish a framework of rights and responsibilities for cohabitating couples who either have a dependent child or have been living together for a minimum of 3 years.
Key points include the right to:
- inherit their partner’s estate under the intestacy rules
- apply to a court for a financial settlement order upon the breakdown of the relationship
- have an insurable interest in the life of their partner
However, this is a private members’ bill and is therefore unlikely to progress beyond parliamentary debate.
Why unmarried couples living together should consider a cohabitation agreement
Since unmarried couples lack many of the rights and protections afforded to married couples, they should consider forming a cohabitation agreement.
This type of agreement allows unmarried couples living together to clearly set out their intentions regarding the division of finances and assets upon separation.
A cohabitation agreement is a legally binding contract that can be enforced in court.
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