illinois civil union spouses insurance - Chicago Illinois Family Law Blog
As the nuances of Illinois’ civil union law come into focus, we continue to discuss the new benefits that civil union couples in the state have been given in our ongoing blog series. This post discusses what rights civil union spouses are given in relation to auto and property insurance.
Do insurers have to give civil union couples the same joint policies and discounts offered to married couples?
Yes. Insurers are required to offer the same contracts and policies to civil union couples as offered to married couples. If rates and/or discounts are offered based upon marital status by an insurer, they are required to treat civil union couples and married couples identically.
Now that Illinois’ civil union law is in effect, we will continue discussing the new benefits that have been granted to civil union couples in our ongoing blog series. In this post, we discuss life insurance in relation to civil union spouses.
Can life insurance be purchased to cover a civil union spouse?
Yes, life insurance can be bought to cover a civil union spouse. In order to buy insurance on someone else’s life and be designated as the beneficiary, it must be determined that someone has an “insurable interest” in the insured person’s life, meaning they would suffer losses, financial and otherwise, if the insured person died. Typically, insurance companies assume that close relatives, such as a spouse or child, have an insurable interest in an insured person’s life. Illinois’ civil union law guarantees that civil union spouses are treated equally as married spouses in regards to life insurance coverage and benefits.
We continue our blog series discussing the new benefits given to civil union couples in Illinois now that the civil union law is in effect, focusing on health insurance coverage in relation to continuation rights, Medicare eligibility, and more.
Are Civil Union Spouses Given Continuation Rights?
In the event of a death, divorce, retirement, or job loss, Illinois law permits individuals that are covered by a civil union spouse’s employer-based health insurance policy to remain covered even after hours are reduced or a the job is lost and results in the coverage’s termination, as well as when an employee retires, divorces the spouse, or dies. Under Illinois law, continuation rights equally apply to married spouses and civil union spouses.
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