Domestic Partner Health Insurance, what does it mean? How it works and what are the benefits? We’re going to dive into domestic partnership health insurance details. But before we move further, let’s explore what is a domestic partnership?
What is a Domestic Partnership?
A domestic partnership is a relationship between two persons living together but they’re not married to each other or anyone else. They can be either same-sex or opposite-sex partners. They share a common domestic life and they support each other in financial and emotional life.
Although a domestic partnership is not like a marriage, the persons in a domestic partnership can enjoy some benefits of marriage. For example, you can carry your partner on your health insurance plan or you can take a medical leave to take care of your domestic partner, etc.
Laws for domestic partnerships vary from state to state. For example, some states require one of the persons to be at least 62 years old.
Who Qualifies As a Domestic Partner?
There are are no specific guidelines defining a domestic partnership. Each state has its own guidelines and benefits for a domestic partnership. So, Who Qualifies As a Domestic Partner? The answer is up to the state you’re living in.
However, the definition of a domestic partnership is almost the same, for all states, which is: Two persons living together, and sharing a common domestic life, but they are not married to each other or to anyone else.
Benefits of Domestic Partnership
As the definition of domestic partnership varies from state to state, the benefits of domestic partnership also vary in different states. However, the most common benefits are:
- Eligible for family health and dental insurance plans
- Can take family leave to take care of sick partner
- Eligible for inheritance rights and death benefits
- Financial and property rights
- Eligible to make financial and medical decisions for your partner
Some employers provide domestic partnership benefits even if the state doesn’t recognize it. You get these benefits only when you formalize/register your domestic relationship either with your state or employer.
How To Register as Domestic Partners?
You can formalize your domestic partnership by registering with your state or with your government. If your state doesn’t recognize the domestic partnership, you can register privately with your employer.
To get registered as a domestic partner, you must fulfill the following requirements:
- You both must be at least 18 years old
- Your relationship must be at least 6 months old
- Sharing common domestic life
- Not in a domestic partnership with a different person
- Not related by blood
Once you fulfill these requirements, you will fill out an application in front of witnesses. After that, you visit a notary public who varifies both persons through state identification like driving license, etc.
After paying a fee (varies from state to state), your domestic partnership is now registered.
If you don’t formally register your domestic partnership, you may not get as benefits as a registered domestic partnership gets.
What is Domestic Partner Insurance?
Domestic partner insurance or domestic partner health insurnace is when the health insurance policy extends the benefits from a spouse to a domestic partner. These benefits are also available for the children of this unmarried couple.
Check out Detail: What is Health Insurance and How it Works?
To qualify for domestic partner health insurance you must fulfill the following requirements:
- At least 6 months old relationship
- Unmarried and not related by blood
- You must be a couple in the public eye or public recognizes you as an unmarried couple living together
- You’re financially interdependent and support each other
Domestic Partner Health Insurance Tax Implications
Generally, for a spouse or dependent, health insurance premiums are tax-free. But in the case of domestic partner health insurance, these premiums are taxable. Because domestic partnerships are not recognized at the federal level.
The aforementioned information is collected and analyzed from different resources, to get further details about domestic partner health insurance, please visit your insurance provider.
Loved this article? We love it when you share it!
Picture Credit: Pexels