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Ray, Lawyer
Category: Legal
Satisfied Customers: 41502
Experience:  30 years in civil, probate, real estate, elder law
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I have been married and divorced three times. My present partner

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I have been married and divorced three times. My present partner is a widower and is very reluctant to remarry. We have been living together for almost nine years. He has designated me as his benifishery on his IRA and on life insurance. He has me on his health insurance as a life partner. We recently purchesed a house and he put my name on the deed but not on the mortgage. We each own another house and plan to sell them and pay the new mortgage off. My question is: Is there any advantage or disadvantage to not being legally married.
Thanks for your question.Being married might make you eligible to draw off his social security here.The problem I see here is if he dies and leaves his half to say children then you have joint interest with them.As long as he does valid will here leaving you the house at least you would be protected.

You could leave your interest to him as well in a valid will.Marriage here is certainly not required if you will do estate planning.This includes a will, a power of attorney and living will for health care decisions.

This way both parties are protected here and they have the people they trust making decisions.Its important because if say one has stroke and you aren't married the nearest living relative makes all decisions.

Also in Texas make sure any other bank accounts have joint right of survivorship.You just sign cards at the bank.Overall you can be protected here either by marriage or estate planning.
Customer: replied 7 years ago.

Where do we get help with estate planning?


What about health insurance? If we marry after he retires will I be covered or will this depend on the carrier?

If he has company plan the spouse is covered--another good point here to marry.The state bar here has lawyer referral here to help you find local lawyer to prepare your estate documents.

Lawyer Referral Information Service

The State Bar of Texas Lawyer Referral Information Service helps connect lawyers with persons in counties where there is no local lawyer referral service. Participating lawyers have indicated the area(s) of law in which they can help clients, and in which counties.

Need a lawyer?

State Bar of Texas Certified Lawyer Referral Services


Name of LRS

Referral Line


Texas Legal Services Center



San Antonio Bar Association LRS



Plano Bar Association



Dallas Bar Association LRS


El Paso

El Paso Bar Association LRS



Harris County Bar Association



Harris County Criminal Lawyers



Houston Lawyer Referral Service, Inc.



Jefferson County Bar Association LRS



Corpus Christi Bar Association LRS



Arlington Bar Association LRS



Tarrant County Bar Association LRS



Austin Tenant's Council



Central TX Lawyer Referral


State of Texas
(rural counties)

State Bar of Texas Lawyer Referral Info. Service


New Online Referrals!

If your county is not served by one of the local referral services above use our new online referral service!


Speak with a live representative

1-800-252-9690 or 1-877-9TEXBAR (Toll Free)

Hours of operation:
Monday through Friday
8 a.m. to 5 p.m.
The call-in service is closed on legal holidays.

Here's how it works

Utilize the online referral service by clicking on the "Online Referrals" button above or call 1-800-252-9690 or 1-877-9TEXBAR(toll free). Your name, address and phone number will be required. You will be asked in which county you need a lawyer and to briefly state your problem. Remember, the information specialist is not a lawyer and cannot give legal advice.

You will be provided the name and phone number of an attorney if there is a match in the referral system. When you call the attorney to schedule a meeting, please inform them that you were referred by the State Bar of Texas.

Your first 30 minutes of legal consultation will cost $20. After the initial half-hour, you and the attorney may negotiate fees should you decide to authorize the lawyer to take action on your legal problem.

How to work with your lawyer and save money.

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