Why Would A Straight Couple Want A Civil Union Instead of A Marriage?

Bet this one had you thinking. Have you figured it out?

The answer is that if you’re a straight couple you may decide not to marry and instead get a civil union because getting married could cost you (no divorce jokes, please).

That’s right, it might be best for you to get a civil union instead of getting married because marriage could result in you or your partner losing substantial retirement, health or Social Security benefits. A civil union, though, could allow you to keep those benefits, resulting in financial advantages. Now that’s what we call motive.

To decide whether marriage or civil union is best for you depends on the specifics of each situation. Of course, a civil union won’t be an option for some couples because of their religious, spiritual or moral beliefs. However, for those who are open to considering this new form of legal relationship, it’s necessary to compare advantages and disadvantages of each choice. To do so, focus on health care, retirement and social security benefits, and tax and estate planning ramifications.

If this is starting to sound a bit more involved than you expected, that’s what usually happens when we deal with finances and the law. Just know that there are potentially significant benefits in becoming civil union partners, and if you’re open to this option, it’s certainly worth talking to your attorney about the financial and legal advantages.