## Cohabitation agreements + unmarried couples in New Mexico **Unmarried couples** living together have FAR FEWER rights than married couples. New Mexico unmarried partners have no automatic rights to property division, alimony, or inheritance — but a properly drafted cohabitation agreement provides similar protections. ## Default rights — limited **WITHOUT cohabitation agreement / will, unmarried partners:** **No marital property:** - Property follows title - Joint titles share equally - Individual titles stay individual - No equitable division **No spousal support:** - No alimony obligation - No support after breakup - Each party self-supporting **No inheritance:** - Without will, partner gets nothing - State intestate laws favor blood relatives - Need will / trust for partner inheritance **No medical decisions:** - Without healthcare directive - Family of origin makes decisions - Often legal disputes **No emergency contact:** - May not be allowed in hospital - Family of origin notified - Specific HIPAA issues **Limited social security / pension:** - No spousal benefits - Survivor benefits often denied - Specific to programs **Limited estate tax benefits:** - No marital deduction - No portability of exemption - Estate tax issues ## Common-law marriage exceptions **Limited recognition:** **States that still recognize:** - Colorado - Iowa - Kansas - Montana - New Hampshire (limited) - Oklahoma - Rhode Island - South Carolina - Texas - Utah - DC **Other states recognize if validly created in another state.** **Requirements (vary by state):** - Capacity to marry - Present agreement to be married - Cohabitation - Holding out as married - Specific time period (some) **Not just living together** — requires intent + holding out. ## Cohabitation agreements **Like prenup but for unmarried:** **Purpose:** - Property rights during relationship - Property division at separation - Financial support obligations - Specific responsibilities - Dispute resolution **Generally enforceable when:** - In writing - Voluntarily signed - Full disclosure of finances - Specific to property + financial issues - NOT for sex / morality / illegal purposes **Marvin v. Marvin (CA 1976):** - Established palimony / Marvin claims - Implied contract from relationship - Specific to express + implied agreements - Limited to specific facts - Many states reject ## What cohabitation agreement should cover **Property:** - Pre-relationship property - Property acquired during relationship - Joint vs separate ownership - Specific property division - Inheritance treatment **Finances:** - Income contribution - Expense sharing - Bank account arrangements - Debt allocation - Specific obligations **Support:** - Whether support obligations exist - Specific terms - Duration - Modifications **Children:** - Specific child considerations - Cannot bind future child support - Specific custody (limited) **Termination:** - What happens at separation - Notice procedures - Specific process - Property division **Dispute resolution:** - Mediation requirements - Arbitration - Specific procedures ## What cohabitation agreement CANNOT cover **Generally:** - Sexual conduct as consideration (illegal) - Future child custody (limited) - Future child support (binding) - Specific illegal purposes - Unconscionable provisions ## Same-sex couples + Obergefell **Major shift (2015):** - Same-sex marriage legal nationwide - Marriage provides protections cohabitation doesn't - Strong recommendation: marry if possible - Estate / immigration / tax benefits - Specific advantages **For unmarried same-sex couples:** - Same considerations as opposite-sex - Cohabitation agreement valuable - Estate planning critical - Healthcare directives **Currently litigated:** - Obergefell sometimes challenged - Specific to political environment - Some marriage protection legislation - Always check current law ## Necessary documents **Cohabitation agreement** alone insufficient. Also need: **Wills:** - Each partner's will - Specific bequests - Otherwise intestate distribution to family **Healthcare directives:** - Living will - Healthcare power of attorney - HIPAA authorization - Designated decision-maker **Financial power of attorney:** - Specific authority - During incapacity - Financial decisions **Beneficiary designations:** - Retirement accounts - Life insurance - Specific accounts - Update for partner **Joint property structures:** - Real estate (joint tenancy / TIC) - Bank accounts - Investment accounts - Specific titling **Trust documents:** - Living trust - Specific provisions - Avoid probate - Privacy ## Specific scenarios **Joint home purchase:** - Title together (joint tenancy or TIC) - Specific ownership percentages - Down payment treatment - Mortgage responsibility - Buyout provisions - Sale provisions **Joint business:** - LLC / corporation structure - Operating agreement - Buy-sell provisions - Specific business terms **Children together (unmarried):** - Parentage establishment - Custody + support - Specific procedures - ${s.name} requirements **Children from prior relationships:** - Specific inheritance considerations - Stepparent issues - Specific estate planning ## Breaking up — process **Without agreement:** - Each takes own property - Joint property must be divided - May require lawsuit ("partition") - Specific procedures - Often messy + expensive **With agreement:** - Follow agreement provisions - Specific procedures - Mediation often - Specific remedies **Joint property issues:** - Real estate sale - Bank account closure - Joint debts - Specific procedures ## Tax considerations **Different from married couples:** **Income tax:** - File as single - No joint return - Specific tax brackets - Different deductions **Gift tax:** - Transfers may be gifts - $19,000 annual exclusion (2025) - Lifetime exemption - Specific reporting **Estate tax:** - No marital deduction - Limited spousal benefits - Specific planning needed - Significant difference from married **Property tax:** - Some states homestead protections lost - Specific to ${s.name} - Property reassessment issues ## Insurance considerations **Health insurance:** - Many employers cover domestic partners - Specific to employer - Tax implications (imputed income) **Life insurance:** - Beneficiary designation needed - Specific to policy - Insurable interest issues (limited) **Auto insurance:** - Joint policies sometimes - Different rules - Specific coverage **Renters / homeowners:** - Joint policies - Specific coverage - Specific liability ## Domestic partnerships + civil unions **Some states still offer:** **California:** - Domestic partnerships - Most marriage rights at state level - Specific requirements **Other states:** - Specific procedures - Limited rights typically - Specific to state **Federal recognition:** - Limited - Tax issues - Federal benefits - Specific differences from marriage ## Practical tips **Before moving in:** - Discuss financial expectations - Discuss long-term plans - Discuss children plans - Document agreements - Consult attorney **During relationship:** - Maintain financial records - Keep some separate accounts - Document significant gifts / transfers - Update documents regularly - Specific milestones (purchases, kids) **Major decisions:** - Real estate purchase - Major financial commitment - Children - Specific tax implications - Specific legal review ## Costs **Cohabitation agreement preparation:** - $1,500-$5,000+ typical - Comprehensive package - Includes related documents - Worth the investment **Comparison to litigation:** - Without agreement = potential $25K-$200K+ litigation - Significant savings - Specific to circumstances ## Common mistakes - **No agreement at all** (most common) - **Verbal agreements** (unenforceable) - **Outdated documents** (life changes) - **No estate planning** - **No healthcare directive** - **Joint accounts without agreement** - **Real estate without specific titling** - **Children without parentage establishment** - **Specific tax problems** ## What you should do If you're in a cohabiting relationship in New Mexico: hire a family-law attorney for cohabitation agreement + estate-planning attorney for wills + healthcare directives. Many New Mexico family attorneys handle these matters. Cost typically $2,000-$5,000 for comprehensive package. Consider marriage if possible — provides far stronger protections. Update regularly. --- *This guide is general information about New Mexico law as of mid-2026 and is not legal advice. Cohabitation issues are technical. Talk to a licensed New Mexico family-law + estate-planning attorney about your specific situation.*