New data on marriage and civil partnerships shows a significant threshold has been crossed.

‘Population estimates by marital status and living arrangements, England and Wales: 2022’, sounds like a rather esoteric piece of academic output from the Office for National Statistics (ONS). However, its release in late January attracted a brief flurry of media attention for one new finding it revealed:

Married or civil partnered remained the most common legal partnership status among the population aged 16 years and over in England and Wales; however, this proportion has decreased from 51.2% in 2012 to 49.7% in 2021 and 49.4% in 2022, the first time this has fallen below 50.0%.

The other story to this minority married proportion is an increase in cohabiting couples (140% up between 2002 and 2022) and the numbers of people ‘not living in a couple’ (17.7% up over the same period).

It is probably fair to say that government responses to these changes in the pattern of living have, at best, been mixed as the tax system illustrates:

The laws of intestacy are written in terms of spouses and civil partners. A survivor of a co-habiting, non-legally recognised couple could therefore receive nothing if their deceased partner had no will. In theory, the survivor may be able to make a claim (for example, under the Inheritance (Provision for Family and Dependants) Act 1975 in England & Wales), but that can lead to expensive legal disputes.

If you are one of the nearly seven million people who have decided to live together, make sure you understand and take advice on the financial consequences of your choice.