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Responses to Civil Partnership:A framework for the legal recognition ...

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Hospital Visiting and Medical TreatmentQ. Why can’t <strong>the</strong> registration of a civil partner make me <strong>the</strong> <strong>legal</strong> “next of kin”?A. There is no <strong>legal</strong> definition of “next of kin” in respect of hospital visiting.The visibility of civil partnerships should lead <strong>to</strong> far greater <strong>recognition</strong> ofsame-sex relationships and should make it much more unlikely thatmedical staff could ignore <strong>the</strong> status of such a relationship.PensionsQ. We are concerned that <strong>the</strong> current proposals <strong>for</strong> state pensions will requireten years <strong>to</strong> implement and we want <strong>to</strong> know how survivor pensions inoccupational schemes will be calculated.A. These are important areas of policy and <strong>the</strong> Government is activelypursuing <strong>the</strong> most appropriate approach <strong>to</strong> take.Q. Why can’t civil partnerships happen be<strong>for</strong>e 2010?A. The reference <strong>to</strong> 2010 in <strong>the</strong> consultation document referred <strong>to</strong> someelements of state pensions which are being equalised between men andwomen, not <strong>to</strong> any o<strong>the</strong>r proposals relating <strong>to</strong> civil partnerships.Life InsuranceQ. Will insurance companies be allowed <strong>to</strong> discriminate against civil partners?A. The Government intends <strong>to</strong> create a level playing field between marriedcouples and civil partners in terms of how <strong>the</strong>y are treated <strong>for</strong> lifeinsurance purposes by creating a presumption that civil partners have anunlimited insurable interest in each o<strong>the</strong>r's lives. This will be of particularsignificance <strong>for</strong> civil partners who intend <strong>to</strong> take out a joint mortgage. Itis in <strong>the</strong> interests of both <strong>the</strong> industry and of society that people whoapply <strong>for</strong> insurance are treated fairly and with respect and have <strong>the</strong>irpremiums set such that <strong>the</strong>y reflect <strong>the</strong> relative risk that <strong>the</strong>y bring <strong>to</strong> <strong>the</strong>insurance pool.39

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