
How many times have you sat down to fill out an application or business document of some sort and never had to think twice about ticking off your marital status? For most people this is not too difficult. But for me and for countless other people in the gay community, a simple question such as this can pose a serious dilemma. Most standard business forms give you only a few choices:
single, married, divorced and if one is lucky, even
widowed. But wait a minute, how about
domestic partner or
civil partner, etc?
For many years, since I've been in my long-term relationship, I usually just skip the question and leave marital status blank if a category doesn't apply to me. Recently that all changed. With the advent of conducting on-line business, technology is making it literally impossible to skip a question such as this.
My partner, Bill, and I recently tried to open a joint investment account at Charles
Schwab. For convenience I decided to complete the application on-line using Charles
Schwab's website. Very quickly into the electronic application I came across my first and only stumbling-block -- marital status. Charles
Schwab only provided three choices. You probably guessed it:
single, married or divorced. Well, as usual, I wasn't going to let that stop me, so I skipped the question. As I attempted to advance through the application to the next section, the entire process came to a stretching halt. The website would not allow me to move on until I was forced to answer the question.
Here's the problem. I don't fit into any of the above categories. I'm certainly not single (I'm sure Bill wouldn't be too happy to hear differently), I'm not married (at least not legally), and I'm definitely not divorced. OK, so what's the big deal, some might ask?
If I check off the
single box, then I'm not being true to me, my relationship or the world. If I check off
married, then legally this could open up a huge can of worms for my partner if I were to die. It's complicated enough trying to legally arrange your estate when you're in a gay relationship, but then add in the legal complications of claiming you were married and just try to see Bill legally take what should be rightfully his. It potentially could be very messy. Why would anyone ever want to put their loved ones through that?
So I decided to stop the application process and give my friendly Charles
Schwab financial advisor a call. He was not available and I had to leave a message. As usual, he promptly returned my call. After explaining the situation to him, he seemed to understand and promised he would check into it to see how his company could accommodate us.
I believe it was the next day, when I received a call from a supervisor or "big-wig" of some degree. He explained to me that Charles
Schwab's applications uses those specific categories as legal terms. He also recognized and validated the dedication I have to my partner and told me that
Schwab is a company based out of San Francisco (what's that supposed to mean?), and went on to say how progressive of a company they are.
But you see his explanation didn't hold water with me and here's why. At the very beginning of the application before any other question was asked, the form has you categorize the legal status of your joint relationship for your new account. The choices listed for legal status are:
joint tenants or joint tenants with rights of survivorship. For anyone, gay or straight, that wants his/her joint account holder (regardless of relationship) to directly inherit the account and all of the money in it, always check off
joint tenants with rights of survivorship. It's that simple. By doing that, we are legally protected.
So you see, the marital status question on theses forms are really only for obtaining demographics, and used solely for the purpose of marketing and statistics. I know this because when I was employed, I was the man behind the scene using this information to target you in well designed advertising and marketing programs.
I explained this to the nice gentleman and he truly seemed sympathetic to my cause. Although he promised that he would lobby for additional marital status categories, I ultimately still had to check off the single box to complete our application.
As a side note, there are companies which do have additional marital status categories on their applications, including
civil partnership. Although they are few and far between, I have come across them.
The moral of the story here is, don't accept the "box" other people want you to fit in to. Speak up and say something because as long as we don't, we'll only get what others think we deserve.