Finance Blog

Stay financially savvy with the Equifax Advisor.

Sign up for our FREE Monthly Email Newsletter


Thank you for signing up for the FREE Equifax monthly newsletter

In addition to keeping in the financial know, you may be interested in checking your credit score and report.

Understand your credit. Help protect your identity.

Equifax Complete™ Premier Plan

  • Know What May Influence Your Credit Score and Be Alerted of Changes
    Credit score monitoring with custom alerts
    Important Disclosure: The Equifax credit score and 3-Bureau credit scores are based on an Equifax credit score model and are not the same scores used by 3rd parties to assess your creditworthiness.¹
  • Help Protect Your Identity
    Automatic fraud alerts encourages lenders to take extra steps to verify your identity²
  • Lock Your Credit
    The ability to lock and unlock your Equifax Credit Report³
Save 75% your first 30 days with the purchase of Equifax Complete™ Premier

$4.95 for the first 30 days, then $19.95 per month thereafter. You may cancel at any time; however, we do not provide partial month refunds.4

¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.

²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.

³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.

4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.

Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.

Domestic Partner Insurance: How to Find Out If Your Partner Is Covered

Written by Linda Rey on December 9, 2010 in Insurance  |   No comments

Domestic Partner Insurance: How to Find Out If Your Partner Is Covered Falling in love is wonderful, but combining two separate financial lives may not be as much fun. Especially when partners decide not to marry, or cannot get married. In the last ten years,…

Domestic Partner Insurance: How to Find Out If Your Partner Is Covered

Falling in love is wonderful, but combining two separate financial lives may not be as much fun. Especially when partners decide not to marry, or cannot get married.

In the last ten years, most Fortune 500 companies have extended domestic partner benefits, and many states have passed laws to make it easier for domestic partners to take advantage of insurance benefits.

One of my dearest friends and clients is an attorney who specializes in estate planning for domestic partners, especially same-sex couples. In my work at Rey Insurance, I’ve been able to help her clients who weren’t sure how to address their insurance portfolio and potential insurance needs.

Many major group health insurers allow for domestic partners to be included on the employee’s group plan. Check with your employer’s group plan in your state to find out if the carrier allows for domestic partner benefits. Some health carriers recognize same-sex partners but not unmarried heterosexual couples as domestic partners.

Currently, private employers are not mandated to offer health insurance benefits to their employees. However, if they elect to offer benefits to employees, they must follow established laws regarding marriages, civil unions, and domestic partnerships.

Most states have laws that ban same-sex marriage or civil unions, but here’s a quick overview of the states that permit them. You can find more information about domestic partnership laws at the Human Rights Campaign.

California: Same-sex couples can register as domestic partners.

Connecticut: Marriage licenses have been issued to same-sex couples since November 2008.

Washington, D.C.: The Religious Freedom and Civil Marriage Equality Amendment Act of 2009 was signed into law on Dec. 15, 2009. Licenses became available on March 3, 2010.

Hawaii: Same-sex couples are offered reciprocal beneficiary status, but same-sex marriage is not recognized.

Iowa: Same-sex marriage has been legal since April 27, 2009.

Maine: The domestic partner law allows same-sex couples to formalize relationships.

Maryland: Domestic partners are entitled to eleven protections available to spouses, including the rights to visit each other in the hospital, share a room in a nursing home, and make funeral decisions.

Massachusetts: Same-sex marriage has been legal since May 17, 2004.

Nevada: As of Oct. 1, 2009, same-sex couples and unmarried opposite-sex couples can register as domestic partners and receive the rights and responsibilities given to spouses under state law.

New Hampshire: Same-sex marriage has been legal since Jan. 1, 2010.

New Jersey: There are no explicit laws banning same-sex marriage, and the New Jersey civil unions law went into effect in 2007.

New Mexico: No law addresses same-sex marriages performed in other states, and the state offers domestic partnership benefits to state employees.

New York: New York recognizes same-sex marriages performed in other jurisdictions.

Rhode Island: The state law does not explicitly ban marriage for same-sex couples, and same-sex couples have access to a few rights under state law.

Vermont: Same-sex marriage has been legal since Sept. 1, 2009.

Washington: Same-sex couples can register as domestic partners.

Wisconsin: Same-sex couples can register as domestic partners and receive limited rights and responsibilities under state law.

Since some states do not recognize domestic partners, and most don’t recognize same-sex marriage, it’s important to be aware of the laws and your rights, especially in regard to financial planning and estate planning. It’s critical to review possible financial consequences and consider how to provide for and protect loved ones. An attorney, accountant, financial planner, and insurance professional will be helpful in determining how you can overcome legal issues and maximize your benefits and insurance coverage.

One last note: Most of the insurance issues surrounding domestic partners are related to health insurance, but domestic partners should take a look at all of their insurance policies. If vehicles are insured separately, partners may be able to consolidate plans and benefit from a multi-car discount. Homeowner’s insurance policies may have special requirements for listing owners. If one or both partners are named in a lawsuit, how domestic partners are listed can greatly affect the suit.

There is wide variation in insurance benefits for domestic partners, depending on your state, employer, insurance carrier, and domestic partnership status. If you’re looking for insurance benefits for a same-sex or opposite-sex domestic partner, consult your financial planner and insurance professional to find out all your options.

Linda Rey is a licensed insurance agent at Rey Insurance with a broad spectrum of expertise in life, accident, health, property and casualty insurance as well as retirement planning and college funding strategies.

Follow Linda on Twitter.


Summer Toys: Insuring Your Pool, Trampoline, or Boat
Business Insurance Can Help Your Business Grow
Workers’ Compensation Won’t Work For You
FAQs About Disability Insurance

The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.

No comments yet

Leave a Comment

Name :

Commenting guidelines

We welcome your interest and participation on this forum, but be aware that comments will be published at Equifax's sole discretion. Please don't use this blog to submit questions or concerns about your Equifax credit report or raise customer service issues. Instead, you should contact Equifax directly for all such matters and any attempts to do so in this forum will be promptly re-directed.

Some other factors to consider when commenting:
  1. Registration and privacy. While no registration is required to visit our forum, participants wishing to post a message must register by creating an account. All personal information provided by forum members incident to registration is governed by our Terms of Use and Privacy Policy.
  2. All comments are anonymous. We'll delete your name, e-mail address, and any other identifying information, including details about your investments.
  3. We can't post or respond to every comment - As much as we'd like to, we can't post every comment, nor can we guarantee that we will respond to each individual message. All questions or comments about your Equifax credit report or similar customer service issues should be handled by contacting Equifax directly.
  4. Don't offer specific legal, tax or financial advice. All of the materials on this Site are for information, education, and noncommercial purposes only and this forum is not intended as a means of expressing views or ideas regarding any specific legal, tax, or investment advice. While offering general rules of thumb is both permitted and encouraged, recommending specific ideas or strategies regarding investments, taxes, and related matters is prohibited.
  5. Credit Repair. This blog is not intended as a venue for the discussion or exchange of ideas regarding credit repair or other strategies intended to assist visitors and community members improve or otherwise modify their credit histories, ratings or scores.
  6. Stay on topic. Your comment should be concise and pertain to the specific post in question.
  7. Be respectful of the community. The use of profanity, offensive language, spam, and personal attacks will not be tolerated and egregious or repeat offenders will be banned from future participation. We encourage disagreement and healthy debate, but please refrain from personal attacks on our WordPresss and contributors.
  8. Finally: Participation in this forum may be terminated by Equifax immediately and without notice for failure to comply with any guidelines or Terms of Use. As such, you should familiarize yourself with all pertinent requirements prior to submitting any response through the blog or otherwise. All opinions expressed in this forum are solely those of the individual submitting the comment, and don't necessarily represent the views of Equifax or its management.

Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.

Insurance Archive