Committed, Protected, Prepared: Estate Planning Tips for Unmarried Partners

More couples than ever are building deep, lasting relationships without ever walking down the

aisle. Whether by choice, circumstance, or principle, many Americans are opting out of

marriage—but not out of commitment. Data indicate that cultural norms regarding marriage in

the United States have undergone significant shifts over the past several decades. Consider the

following:

● The number of unmarried partners in the United States more than tripled between 1996

and 2018, from 6 million to 19 million. 1

● Among adults aged 30 and younger, 12 percent were living with an unmarried partner in

2019, compared with 5 percent in 1995. 2

● The percentage of US households headed by married couples as of 2024 (47 percent)

was at its second-lowest point since the US Census Bureau began tracking marital

status in 1940. 3

However, the law has not kept pace with modern relationships. If you and your partner choose

not to marry, you must have an estate plan tailored to your individual situation. Without an

estate plan, your partner generally has no legal authority to make decisions for you if you

become injured or incapacitated (unable to manage your own affairs) or to inherit from you

when you pass away. Dying without an estate plan—known as dying intestate—means state

law determines who receives your assets. These laws rarely account for long-term, unmarried

partners, making it essential to create a will or trust to ensure that your wishes are honored and

your partner is protected.

Revocable Living Trusts

A revocable living trust allows you to set clear instructions for how your money and property are

to be managed and distributed—during your lifetime, while you are alive and well, if you become

incapacitated and unable to manage your own affairs, and after your death. While you are alive

and well, you are typically the trustee and can use the money and property in your trust just as

you normally would use your money and property. If you become incapacitated, your chosen

successor (backup) trustee can step in to manage your affairs seamlessly, without court

involvement. After your death, the trust directs how your assets are distributed to or managed

for your beneficiaries, often avoiding probate and keeping matters private.

Though trusts often cost more to create than the common alternative—a last will and

testament—the benefits they provide cannot be easily or reliably replicated with other planning

1 Mike Schneider, Unmarried partners in US have tripled in 2 decades, AP News (Sept. 24, 2019),

https://apnews.com/article/848605aad88a418c9b606c0f745ae33f.

2 Juliana Menasce Horowitz et al., The landscape of marriage and cohabitation in the U.S., Pew Rsch. Ctr. (Nov. 6,

2019), https://www.pewresearch.org/social-trends/2019/11/06/the-landscape-of-marriage-and-cohabitation-in-

the-u-s/.

3 How has marriage in the US changed over time?, USAFacts (Feb. 11, 2025), https://usafacts.org/articles/state-

relationships-marriages-and-living-alone-us/.

tools. Overall, a trust is often the stronger choice and can serve as the cornerstone of almost

any comprehensive estate plan, especially for couples who have not formalized their

relationships with a legal marriage.

Wills

A last will and testament (commonly called a will) is an estate planning tool that allows you to

direct what will happen to your accounts and property at your death. It also allows you to

nominate someone—often called an executor, a personal representative, or an

administrator—to wind down your affairs when you die and ensure your wishes are carried out.

If you have minor children, this is also the document in which you can nominate a guardian to

care for them in the event of your passing. While a will can accomplish many of the same goals

as a revocable living trust, it does not provide a means to manage your affairs during your

lifetime or in the event of potential incapacitation. It also has to go through the court-supervised

probate process, which can make things more time-consuming, public, and expensive for your

loved ones.

A special type of will, known as a pour-over will, is a straightforward yet crucial component of

any trust-based estate plan. Think of it as a safety net for anything you may have forgotten to

transfer into your trust during your lifetime. If you still own something—such as a bank account

or piece of property—in your sole name and without a beneficiary when you pass away, the

pour-over will ensures that it “pours over” into your trust after your death. While your loved ones

may still need to go through probate to transfer those things to the trust, this type of will ensures

that everything ultimately ends up in the right place and is handled according to your trust’s

instructions.

Beneficiary Designations

Most retirement accounts and insurance policies (and many other types of accounts, too) allow

you to designate a beneficiary, which is the person who will automatically receive what is in the

account when you die. It is essential to periodically review the beneficiaries listed on your

accounts to ensure they are up-to-date. Imagine naming your ex-spouse as the beneficiary of

your 401(k) before your divorce and then forgetting to update it once the divorce was finalized.

Unfortunately, that oversight could mean your ex is still legally entitled to receive the account

when you pass away, unintentionally cutting out your current partner or other loved ones you

intended to provide for.

Depending on your trust’s design, your personal circumstances, and your specific goals, you

may choose to name one or more trusts as the beneficiary instead of, or in addition to, individual

people. This approach can provide more control over how and when these accounts are

distributed, especially if you want to protect beneficiaries from taxes, creditors, or their own

spending habits.

Powers of Attorney, Advance Directives, and Similar Legal Documents

Planning for what happens after death is only one part of a comprehensive estate plan.

Incapacity—when you are alive but unable to make decisions for yourself—is another situation

where legal planning can help you stay in control, ensure your wishes are followed, and reduce

the likelihood of family conflict. Without documents that address incapacity, your loved ones

may have to go to court to have someone appointed to manage your medical and financial

affairs (often referred to as a guardianship or conservatorship). When that happens, the judge

looks to state default rules about who gets priority—and unmarried partners are often left out

entirely. To avoid this situation, you should consider creating or updating the following estate

planning documents:

● Medical power of attorney: allows you to name someone (such as your significant

other) to make healthcare decisions for you if you cannot communicate them yourself

● Financial power of attorney: allows you to name someone you trust (again, possibly

your significant other) to handle your financial and legal matters if you are unable to do

so

● Advance directive: where you can express your wishes regarding end-of-life care,

including what you would like to happen if you are in a persistent vegetative state or end-

stage condition

● Health Insurance Portability and Accountability Act (HIPAA) authorization: gives

the people you name permission to access your protected health information so they can

stay informed about your medical condition.

Securing Your Shared Future

Whether you have been together for decades and are nearing retirement or are just beginning

to build your life as a couple, it is important to ask some key questions about how you want to

protect each other. Who will make decisions for you if you cannot? Who will inherit what the two

of you have worked so hard for? And how can you make sure the law does not overlook the

person who means the most to you? Taking the time now to create or update your estate plan

ensures that your wishes are honored and that your partner is protected—no matter what the

law says about your relationship status.

Our experienced estate planning attorneys can help you identify a strategy to get the peace of

mind you need. Call us to schedule a private consultation.