sherry8253 said:
I have lived with a man for 4 years. We have joint checking accounts. Can we be considered married under Common Law Marriage rules in Pennsylvania? And if so, does that also apply to insurance?
Pennsylvania
A common-law marriage may be established if a man and woman exchange words that indicate that they intend to be married at the present time.
Although a license and ceremony generally are required, some states still recognize what is known as a "common-law" marriage. In this type of "marriage," which was more common in f rontier times, a man and woman who have lived together for a certain period of time and who hold themselves to be husband and wife are considered to be married even without a license and a formal ceremony. Because a common-law marriage is not formally recorded, the couple, if challenged, may have to prove the existence of their marriage contract. They may have to prove that they live together as man and wife and present themselves to the public as a married couple. Where recognized, a common-law marriage is as valid as a typical marriage.
So yes, you are married and are entitled to have insurance under the same policy.
IAAL