I work in a big tech company in the Bay Area, California. It is time to enroll in benefits and I am trying to understand if I can add my girlfriend to my insurance.
I have been living together with my girlfriend for 2 years and I would consider this to be a serious relationship. However, we have not registered our relationship anywhere officially. The only documented proof w.r.t. relationship that we have is the same address on our individual bank statements. We don't even have joint bank accounts or anything like that.
Here is what my ADP website through which I have to make election has to say about enrolling partner in benefits. I have four questions regarding that:
- Has anyone tried to add girlfriend to their insurance in similar situation where the only proof of relationship is the same address on bank statements? Is this enough?
- What does "... and agree that anyone who is owed these expenses can collect from either of you"? Do I automatically make election here that, if, for example, she has a loan for her car, then the bank also can go after me (like for married couples)? Or is the scope of expenses here only regarding to benefits. For example, if she reached dental insurance limits then the insurer can go after me?
- What happens in case we terminate our relationship? Does this have any further implications?
- Are there any tax implications after I make this election? I would prefer to keep filing taxes the way I have always been doing and that she file her taxes the way she has always been doing.