Marriage Vs Living Together After 60

Marriage Vs Living Together After 60: Finding Your Perfect Partnership

Are you approaching your golden years and pondering whether to tie the knot or cohabitate with your partner?

Choosing between marriage and living together after 60 should not be taken lightly. It’s a unique juncture in life where past experiences, plans, and personal preferences converge. After all, it’s not just about romance; it’s about practicality and ensuring your seniority years are spent in bliss.

This article delves into the intriguing debate of “marriage vs living together after 60,” examining crucial factors that could influence your choice. From financial considerations to healthcare and the legacy you leave behind, we help you confidently navigate this important decision.

Marriage Vs Living Together After 60: Factors to Consider

Asset Protection

If you have spent a lifetime accumulating wealth, property, and investments, it’s natural to want to protect them. Marriage provides a level of legal and financial security that cohabitation may not.

In marriage, a legal framework governs the division of assets in case of separation or death. It provides a sense of security and ensures both partners are financially protected. However, consult with a legal expert to understand the specifics of your jurisdiction.

Conversely, living together without marriage might offer more autonomy over your assets. You can maintain separate bank accounts, properties, and investments, providing a sense of independence that some find appealing.

However, without clear legal documentation, disputes may arise in the event of separation or the passing of a partner. Therefore, if safeguarding your hard-earned assets is a top priority, marriage may be an ideal choice.

Social Security Benefits

Social security benefits can impact your financial wellbeing in retirement. Your marital status can affect the benefits you are eligible for. It is crucial to consider this aspect when deciding between marriage and living together after 60.

If you are married, you may be entitled to spousal benefits based on your spouse’s work history, even if you haven’t earned as much or not worked at all. These benefits can provide a substantial financial boost during retirement.

However, if you choose to live together without marriage, you won’t be eligible for spousal benefits. It could have a significant impact on your retirement income. You should carefully assess how this might affect your financial stability in your later years and plan accordingly.

Also, cohabitation without legal documentation may allow both partners to maintain their benefits. It can be advantageous for couples who want to maximize their financial resources. However, understand the potential implications and consult a financial advisor to make informed decisions.

Dealing with Medical Issues


Marriage versus living together takes on a new dimension, when you factor in medical issues. If you or your partner face serious health concerns, your decision could impact your access to healthcare and decision-making authority.

In marriage, spouses often have certain medical rights, like making medical decisions for each other in case of incapacity. They may also have access to each other’s healthcare plans, potentially reducing medical expenses. These are vital benefits when dealing with chronic illnesses or unexpected medical emergencies.

If you choose cohabitation, you may need to take extra-legal steps to grant your partner the same medical decision-making authority. It could involve creating a power of attorney or advance healthcare directive. Consult an attorney to ensure your wishes are legally protected, in case of medical issues.

Heirs and Legacies


Considering what happens to your assets and belongings after you are gone is a significant aspect of any long-term relationship. Marriage often simplifies inheritance process, providing clear legal guidelines for passing your assets to your loved ones.

In a marriage, your spouse is entitled to a portion of your estate, which can provide financial stability and support for them after your passing. Inheritance laws often favor spouses, simplifying leaving assets to your children or other heirs.

If you decide to cohabitate without marrying, you may need to create a comprehensive estate plan, including wills and trusts, to ensure distribution of assets according to your wishes. This extra step can be time-consuming and may require legal assistance, but necessary to avoid potential disputes among heirs.

Related: Should you get married at 50 for the first time

Emotional and Psychological Wellbeing


Ultimately, the success of any long-term partnership, whether through marriage or cohabitation, hinges on emotional and psychological wellbeing, of both individuals. Communicate openly, respect each other’s boundaries, and continue nurturing your connection.

Marriage often comes with a deeper sense of commitment and a public declaration of love and devotion.

Living together can offer more flexibility and a sense of freedom. You can maintain separate finances and retain a degree of autonomy.

Consider what feels comfortable for you and your partner, and remember there is no standardized answer.


Choosing between marriage and living together after 60 is a personal decision that depends on your unique circumstances and preferences. It should also align with your values, priorities, and long-term goals.

By considering factors like assets, medical issues, heirs, benefits, and emotional wellbeing, you can make an informed choice that sets the stage for a fulfilling and harmonious partnership in your golden years.

Whether you opt for the legal binding of marriage or the flexibility of cohabitation, what matters most is that you and your partner are happy and comfortable with your decision.

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