Your Income, Support and Property Rights
Script 148 gives information only, not legal advice. If you have a legal problem or need legal advice, you should speak to a lawyer. For the name of a lawyer to consult, call Lawyer Referral Service at 604.687.3221 in the lower mainland or 1.800.663.1919 elsewhere in British Columbia.
This script explains your income, financial support and property rights when you are in or have left a relationship that is not a spousal relationship. Topics covered include:
your rights to social assistance, pension plan benefits, employment insurance benefits, medical and dental coverage, and coverage under ICBC insurance programs;
responsibility for debts;
your right to financial support if you separate;
what happens to the property you acquire during your relationship; and
why you should have a will.
Who is a “spouse”?
Under the provincial Family Law Act, “spouse” includes people who are married to each other as well as:
people who have lived together in a marriage-like relationship for at least two years; and
except for the parts of the act about property and debt, people who have lived together in a marriage-like relationship for less than two years if they have had a child together.
This script is for people who are not spouses.
Can you get income assistance while living in an unmarried relationship?
The welfare office, the Ministry of Employment and Income Assistance, will treat you like a married couple as soon as you start to live together, whether you are spouses or not. When you apply for welfare, your case worker will look at the income and assets for both of you. If you get income assistance, you’ll get it at the rate for a couple or family, and not as two single people. If you’re under 19, you may be refused welfare, but you can appeal this decision. Information about income assistance appeals can be found in script 288.
Note that if you claim as a single person while living with someone as a couple and this is discovered, you may be required to repay any benefits you have received. You may also face a civil court case or even criminal charges, and you could be refused future services by the Ministry.
What about getting benefits under a pension plan?
Pension benefits under Canada’s Old Age Security program are paid to Canadian residents over the age of 65. A Spouse’s Allowance is also paid to the spouses of pensioners for spouses between the ages of 60 and 65. To qualify for the Spouse’s Allowance as a spouse, you only need to be living together for at least one year. For more information on Old Age Security benefits, refer to script 239 on “Elder Law, Elder Abuse and Seniors’ Rights”.
Private pension plans generally do not provide benefits for people who are not spouses.
Can you get Employment Insurance benefits?
Employment Insurance will treat you and your boyfriend or girlfriend like you are married if:
you have lived together for at least 12 months; or
you had or are expecting a child together.
If your boyfriend or girlfriend moves to another city or province, you can quit your job to go with your boyfriend or girlfriend and still have the right to get Employment Insurance benefits. Note, however, that you can be denied benefits if there’s no work at all for you in the new town.
Are you covered under your boyfriend or girlfriend’s medical and dental plans?
The BC Medical Service Plan covers people who live together. There’s no requirement about how long you must have been living together.
Medical or dental plans or extended-health plans from an employer generally do not provide benefits for people who are not spouses.
Are you responsible for your boyfriend or girlfriend’s debts?
If you sign for a loan, it’s your loan and your responsibility, not your boyfriend or girlfriend’s. Likewise, if your boyfriend or girlfriend signs for a loan, it’s his or her responsibility.
If you both sign for a loan, you are both responsible to repay the debt, even if you’re just a guarantor and you both mean the loan to be your boyfriend or girlfriend’s responsibility. This means that if your boyfriend or girlfriend is unable or refuses to make the payments, you’ll be responsible, even though you may not have had any benefit from the loan. But if you end up paying some or the entire loan for your spouse, you can apply to the court for an order that him or her pay you back.
If you separate can you get spousal support from your spouse?
Spousal support is money paid by one spouse to the other after separation to help that spouse meet his or her financial needs. The Family Law Act allows unmarried people who have lived with someone in a marriage-like relationship for less than two years to apply for spousal support, but only if the couple have a child together.
The amount of spousal support payable is usually fixed using mathematical formulas set out in the Spousal Support Advisory Guidelines based on your incomes, the length of time you lived together and other factors. For information on spousal support, refer to script 123 on “Spousal Support”.
If you separate can you get child support from your spouse?
Child support is money paid by one parent to the other after separation to help that parent meet the financial needs of the children. Child support is payable by anyone who is a parent, whether they are married spouses, unmarried spouses or neither.
The boyfriend or girlfriend of a parent can be required to pay child support, but only if both are parents of the child or the couple are spouses.
The amount of child support payable is fixed by the Child Support Guidelines according to the payor’s income and the number of children support is being paid for. For information on child support, refer to script 147 on “Unmarried Spouses: About the Children in Your Family”.
What rights do you have to property acquired during the relationship? This is where there are the biggest differences between being a spouse and not being a spouse. The Family Law Act requires that family property be shared between spouses, and for the purposes of this part of the act, “spouse” is defined as:
someone who is married; and
someone who lived with someone else in a marriage-like relationship for at least two years.
If you do not qualify as a spouse, the only property you are presumed to have an interest in is the property you own and the property you jointly own with your boyfriend or girlfriend. If you own an asset together (like a house, a car, or a bank accounts), you are presumed to have an equal interest in the asset. If you contributed to the purchase of an asset owned only by your boyfriend or girlfriend, or paid more for the purchase of a joint asset than your boyfriend or girlfriend, you may be able to get out what you put in, however you have to be able to prove your contributions to the purchase and that you didn’t mean to give your extra contributions to your partner as a gift.
The law in this area is complex and you should to speak to a lawyer.
What about the law of “unjust enrichment”?
If you contributed in some way to the assets owned by your boyfriend or girlfriend, you may be entitled to a share of that property based on an “unjust enrichment” claim. To claim an interest in your boyfriend or girlfriend’s property, you must show three things:
that your boyfriend or girlfriend gained a benefit from your contributions, subject to certain exclusions in the Family Law Act;
that you suffered a loss of some sort as a result of those contributions; and,
that there is no legal reason why your boyfriend or girlfriend should have received the benefit at the cost of your loss.
If you can prove these things, the court may agree that your boyfriend or girlfriend was unjustly enriched and that you should be compensated for your losses. The court will make an order requiring your boyfriend or girlfriend to compensate you. If he or she can’t afford to make the payment, the court may impose a trust, called a “constructive trust”, on your boyfriend or girlfriend’s property in order to secure the compensation you are owed.
The law in this area is very complex and you should to speak to a lawyer.
What if you have to go to court?
If you separate, you may have to go to court to sort out some of your support rights and perhaps your property rights. Family Court is a part of Provincial Court, where you can settle many questions dealing with support for you and your children, plus guardianship, parenting arrangements and contact. Family Court can’t deal with property questions and it can’t make orders about who will live in the family home. For this, you’ll have to go to Supreme Court, and you’ll likely need a lawyer.
For more information on Family Court, refer to script 110 on “Family Court”.
Do you need to make a will?
If you want to make sure your spouse and children are taken care of after your death, you need to make a will. In your will, you can say who you want your property to go to. You can also name a guardian who’ll be legally responsible for your children after you and your spouse die. A court can always make an order that is different than your intentions for the children, however, if this would be in the children’s best interests. You should encourage your spouse to make a will too.
For more information, refer to script 150 on “What Happens When Your Spouse Dies” and script 177 on “What Happens When You Die without a Will”. Where can you get more information?
[updated March 2013]
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