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Building a Strong Financial Future: A Guide for Unmarried Partners - CalPERS PERSpective
Buying a house can be complex, more so for unmarried couples. Meet with a lawyer to discuss ownership, taxes, and other legal implications of homeownership.
What about your CalPERS benefits?
Only married partners and domestic partnerships are eligible to be enrolled into your CalPERS health plan.
Death benefits are paid according to the valid beneficiary designation we have on file. Many factors affect death benefits—whether the CalPERS member was active, inactive, or retired. Keep in mind that the beneficiary designation on file with us becomes invalid or revoked during certain life events like the birth of a child, marriage or domestic partnership, and divorce or termination of a domestic partnership.
Have you started estate planning?
Estate planning is a wise step no matter your age or amount of assets. Your estate is all the property owned by you at the time of your death: real estate, pension accounts, bank accounts, stocks and securities, life insurance policies, and personal property like your car or artwork. Discuss with your partner your will, living trust, durable power of attorney, and advanced health care directive.
You can designate anyone to be your CalPERS attorney-in-fact. If you want to revoke or terminate your special power of attorney, you must submit a written request to us.
Is marriage or domestic partnership in your future?
In California, retirement benefits and any property acquired together, including your CalPERS pension, are considered community property. While this isn’t a factor for unmarried partners, it’s something to discuss if marriage or domestic partnership is in your future.
Take the Next Step
Once you’ve covered the basics and explored long-term financial goals with your partner, here are a few more items to consider:

Set up quarterly check-ins.
Update documents and plans as needed or yearly.
Examine your financial goals on your own and with your partner.
Monitor your spending habits and determine if you need to make changes.

Conversations like this are the groundwork toward building a strong relationship, and you’ll be glad you took that first step.

Related Posts
 

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CalPERS PERSpective
P.O. Box 1652<br />
Sacramento, CA 95812-1652</li>
</ul>
<p>Before notifying us of a death, we recommend you have the following information ready:</p>
<ul>
<li>For the person who died:
<ul>
<li>Full name</li>
<li>Date of birth</li>
<li>CalPERS ID or Social Security number (SSN)</li>
<li>Date of death</li>
</ul>
</li>
<li>For you:
<ul>
<li>Contact information</li>
</ul>
</li>
<li>For spouses and domestic partners:
<ul>
<li>Social Security number (SSN) or Individual Tax Identification Number (ITIN) to help accelerate your payment</li>
<li>Marriage date</li>
</ul>
</li>
</ul>
<h2>Have Documentation Ready</h2>
<p>Since we require documentation to establish relationships to the deceased member, having certain documents readily available can simplify the process. We will always need a copy of the deceased individual’s death certificate, showing the cause and manner of death. Other required documentation may include:</p>
<ul>
<li>Marriage certificate</li>
<li>Registered domestic partnership certificate</li>
<li>Divorce decree</li>
<li>Termination of domestic partnership</li>
<li>Birth certificates or adoption paperwork</li>
</ul>
<h2>Keep Beneficiaries Current</h2>
Building a Strong Financial Future: A Guide for Unmarried Partners - CalPERS PERSpective
End the discussion with something light-hearted, like a walk to get ice cream or coffee, so you can wind down and reconnect.
Planning for Today and the Near Future
What’s their credit score?
It may feel awkward asking your partner about their credit score, but it can be a good way to start the money conversation. According to the Consumer Financial Protection Bureau, “a credit score is a prediction of your credit behavior, such as how likely you are to pay a loan back on time, based on information from your credit reports.” Your credit score can impact the interest rate on loans you receive, credit card limits, and your mortgage. You can obtain a free credit score from Equifax, Experian, and TransUnion individually or from all three by visiting AnnualCreditReport.com.
Will you split the bills?
Couples can discuss if they should or shouldn’t split payment of rent and bills evenly or based on a percentage of income. If one partner earns more money, they might cover the entirety of rent or the mortgage, while the other partner pays for groceries and utilities. You may save money by sharing subscription services, phone plans, or gym memberships.
If you own your home and your partner pays most of the bills, they may have a legal interest in the property if you separate. Consult with a lawyer for personalized information on this topic.
What about student loans and other debt?
Debt can have a large impact on one’s ability to spend today and save for the future, which is why many people prioritize paying it back. Understanding how much you and your partner owe can help determine your budget and prioritize goals. Our two-minute video on managing debt explores how interest rates impact debt and offers tips for how to become debt-free.
Should you have separate or joint bank accounts?
Some couples may opt for having either a separate or a joint bank account. Joint accounts can be used to pay for shared expenses, bills, and vacations. Ensure that both people have access to the account and there is transparency in how money goes in and comes out. Some couples prefer to keep their money separate.
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 Inter-Spousal Transfers

Inter-Spousal Transfers

My spouse and I are on title to our house, if I give my interest to my spouse, will this trigger a reassessment?

No. All transfers between spouses during the marriage are excluded from reassessment regardless of the vesting on title. The vesting may be joint tenants, tenants in common, community property, community property with right of survivorship or in the family trust.

My spouse and I are getting a divorce; we are severing our ownership vesting to tenants in common. Will this trigger a reassessment?

No. Transfers of ownership as a result of dissolution of marriage do not trigger reassessment.

My spouse and I are getting a divorce, the divorce settlement agreement states we are to keep the house until our children graduate from college after our divorce. Will this trigger a reassessment?

No. Your ex-spouse or you, may buyout each other or sell the property in the open market  as long as it is stated in the divorce settlement. Regardless of how title is held, the transfers between spouses pursuant to a property settlement agreement do not trigger a reassessment.

My ex-spouse and I are on title as tenants in common. If we have a mutual agreement can we transfer property to the other without a reassessment?

No. There is no excludable relationship and there is no divorce marriage settlement agreement.  Even though you have a 50% mutual agreement, and if your ex-spouse decides after you are divorced to give up 50% interest, it will result in a reassessment of that 50% if you did not obtain a divorce marriage settlement agreement.

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 Manufactured Homes

Manufactured Homes

Are manufactured homes the same as mobile homes?
CalPERS PERSpective
<li><a href="https://www.calpers.ca.gov/page/life-events/marriage-divorce" target="_blank" rel="noopener">Divorce</a> or <a href="https://www.calpers.ca.gov/page/life-events/domestic-partnership" target="_blank" rel="noopener">termination of registered domestic partnership</a></li>
<li><a href="https://www.calpers.ca.gov/page/life-events/birth-adoption" target="_blank" rel="noopener">Birth or adoption</a> of a child</li>
<li>Death of a named beneficiary</li>
</ul>
<p>Death benefits are paid according to the valid beneficiary designation on file. If there is no designation on file or the designation was revoked, benefits are paid per <a href="https://www.calpers.ca.gov/page/active-members/death-benefits/beneficiary-designation" target="_blank" rel="noopener">statutory beneficiary order</a>.</p>
<h2>Payable Benefits Depend on Several Factors</h2>
<p>Many factors influence death benefits, so it’s not possible to determine exactly what’s payable until we receive and review all required documents after a death is reported.</p>
<p>For active members, benefits payable depends on factors such as:</p>
<ul>
<li>Date of separation from employment</li>
<li>Eligible beneficiary</li>
<li>Employer’s contract with CalPERS</li>
<li>Job classification</li>
<li>Member’s age</li>
<li>Whether they were eligible to retire at the time of death</li>
<li>Years of service</li>
</ul>
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Building a Strong Financial Future: A Guide for Unmarried Partners - CalPERS PERSpective
Our two-minute video on managing debt explores how interest rates impact debt and offers tips for how to become debt-free.
Should you have separate or joint bank accounts?
Some couples may opt for having either a separate or a joint bank account. Joint accounts can be used to pay for shared expenses, bills, and vacations. Ensure that both people have access to the account and there is transparency in how money goes in and comes out. Some couples prefer to keep their money separate. Splitting expenses may be a bit more work, but both partners retain total control of their own assets and maintain financial independence.
Planning for the Long Term
Are you both saving for retirement?
It’s critical that both people are saving for retirement. Talk about how much you’re saving and when you want to retire. If one partner wants to retire as soon as possible, while the other prefers to work as long as they can, this could impact the amount of money each person saves or eventually withdraws. If you want to provide your partner your CalPERS retirement benefits, you could let them know if they are the beneficiary of your CalPERS and other retirement accounts, or if that money will be going to a trust, estate, or organization.
Are you going to make a major purchase?
Are you planning on buying a car, house, or going on a luxury vacation as a couple? Before you start saving for a major purchase, chat about what amount each of you will be saving, where the money will be housed, and how it will be spent. Buying a house can be complex, more so for unmarried couples. Meet with a lawyer to discuss ownership, taxes, and other legal implications of homeownership.
What about your CalPERS benefits?
Only married partners and domestic partnerships are eligible to be enrolled into your CalPERS health plan.
Death benefits are paid according to the valid beneficiary designation we have on file. Many factors affect death benefits—whether the CalPERS member was active, inactive, or retired.
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VA Housing Assistance | Veterans Affairs
We can also help you connect with resources in your community, like homeless shelters or faith-based organizations.Find the support you need:Call the National Call Center for Homeless Veterans at 877-424-3838 for help 24 hours a day, 7 days a week. You’ll talk privately with a trained VA counselor for free.Contact your nearest VA medical center and ask to talk with the VA social worker. If you're a female Veteran, ask for the Women Veterans Program Manager.Find the nearest VA medical centerTalk with someone right now:If you're a Veteran in crisis or concerned about one, connect with our caring, qualified Veterans Crisis Line responders for confidential help. Many of them are Veterans themselves. This service is private, free, and available 24/7.Chat online with a trained VA staff member

 Get VA home loan benefits
 

Learn how VA direct and VA-backed home loans work—and find out which loan type may be right for you.

Find out if you’re eligible for a VA direct or VA-backed home loan, based on your service history and duty status.

Get instructions for how to request a VA home loan COE—and what to do next depending on your loan type.

Start your application for a VA home loan Certificate of Eligibility (COE) now.

Find out if you’re eligible and how to request a VA home loan COE as the surviving spouse of a Veteran or the spouse of a Veteran who is missing in action or being held as a prisoner of war.

Find out where your home loan COE request is in our process.

If you disagree with a decision on your application for home loan benefits, you can request a decision review. You can also manage any review requests or appeals you already filed.

Find out where your claim, decision review, or appeal is in our process.

Get help to avoid foreclosure if you’re struggling to make your monthly mortgage payments.

Learn about the signs of misleading offers to refinance your VA-backed home loan, like claims that you can skip payments or get very low interest rates or other terms that sound too good to be true.

Find out if you’ll need to pay this fee when using your home loan benefits.
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We offer free, monthly one-hour telephone education calls for caregivers.  These group sessions focus on topics important to caregivers, with a different topic presented each month. Caregivers learn about communication skills, building relationships and connections, self-care, and much more. - To listen to the live CSL monthly education calls, dial: +1 347-566-4838- When prompted, please enter the following Conference ID: 521 546 087#Click here at the time of the presentation to join via MS Teams on your computer, mobile app or room device

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We provide information and can make a referral to your local CSP team, who will connect you with nearby resources and services as you care for a Veteran. You can find your CSP team using the following locator tool: www.caregiver. va.gov/support/New_CSC_Page.asp.

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Self-Help Glossary - selfhelp
Or involuntary, like when someone is killed unintentionally as a result of someone else performing another unlawful act or negligently performing a lawful act. (Compare with murder; see also homicide.)
marital settlement agreement: In a dissolution of marriage, legal separation, or annulment, a stipulated judgment will often include a marital settlement agreement (MSA). A marital settlement agreement is a written contract between you and your spouse that contains detailed legal wording about how the issues in your case will be handled. It is usually used when there are complicated issues of property, debt, support, or custody that need to be set out in the judgment.
marshal: A peace officer that has the power to arrest, to serve legal papers in civil cases and subpoenas and to act as bailiff in the courtroom.
mayhem: Unlawfully and violently depriving a person of a part of his or her body or disabling, disfiguring, or making it useless (includes injury to eyes, tongue, nose, ears, etc.).
mediation: A process in which a neutral person (or people) helps people who have a dispute to communicate so they can reach an agreement. (Compare arbitration, neutral evaluation.) Click for more information on custody mediation.
medical support: Kind of child support where medical or dental insurance coverage is paid by a parent. Depending on the court order, medical support can be that parent's only financial obligation, or the parent may also have to pay child support and/or spousal support.
memorandum of costs: see memorandum of credits, accrued interest, and costs after judgment.
memorandum of credits, accrued interest, and costs after judgment: In small claims court, a form used to get back your costs for collecting your judgment.
memorandum to set: A paper filed by 1 or more parties in a court case saying the case is ready for trial. (See also at-issue memorandum.)
minor: A person under the age of 18 years. (See also juvenile.)
minutes: The official (permanent) record of a court proceeding, that tells things like what witnesses appeared, what motions were made, and what findings were reached. (See also transcript.)