Are civil unions recognized for life insurance benefits?
In California, civil unions are legally recognized, which means they may be eligible for certain legal benefits. This includes life insurance policies, depending on the policy type. Some policies may state that a civil union is not eligible for coverage. The right to life insurance benefits for a civil union partner depends largely on the policy and the insurer. Generally, if the policy does not define “spouse” or “marriage” with reference to a specific legal definition, then a civil union is likely to be eligible for the same benefits as a spouse in a marriage. If the policy does define “spouse” or “marriage” with reference to a specific legal definition, it may not cover a civil union partner. To ensure the policy covers a civil union partner, the policyholder should read the policy and contact the insurer for clarification. In addition, civil union partners should research companies that offer life insurance policies specifically for civil unions. These policies are becoming more widely available and provide specialized coverage for civil union partners. Civil union partners should also consider applying for a family policy or adding their civil union partner as an additional insured partner. By doing this, the couple can ensure that both are covered in matters of life insurance. Overall, life insurance benefits for civil union partners may vary depending on the policy and the insurer. It is important to read the policy and contact the insurer to ensure that the policy covers a civil union partner. Additionally, there are now policies specifically designed for civil unions and a couple can also consider a family policy or adding an additional insured partner.
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