July 2013 the Coastal Empire Lgbt Community News a First City Network Publication
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NETWORK NEWSV OLUME 27 ISSUE 9 - JULY 2013 THE COASTAL EMPIRE LGBT COMMUNITY NEWS A FIRST CITY NETWORK PUBLICATION JUNE 26, 2013 First City Network invites and welcomes everyone without regard to ability, age, ancestry, beliefs, class, gender, race, sexual orientation or identity. NETWORK NEWS THE FINE PRINT First City Network, Inc. is a local, private, non-profit community We hope you share our pride in 25 years of publication of the Network News. service organization charted in 1985 by concerned citizens seeking a gay Production costs are borne by subscribers, advertisers and donors. and lesbian positive community. First City Network serves as a forum to share strengths and ideas, stimulate personal growth and provide so cial activities. 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NETWORK NEWS - First City Network - 912.236.CITY - firstcitynetwork.net - 3 HOW GAY MARRIED COUPLES GET SHORTCHANGED By Marilyn Bowden More than 1,000 federal rights and securities This makes it a great financial planning tool CHILDREN OF SAME-SEX PARTNERS For example, a widow or widower older are denied to couples in same-sex marriages because the second spouse can wait longer The children of same-sex marriages will than 60 who was married for more than 10 not legally recognized by Section 3 of before taking his or her own benefits. “If your be profoundly affected should DOMA be years, and who has remarried, has the option the Defense of Marriage Act, or DOMA, partner is of the same sex,” Henry says, “you overturned. Right now, their legal position is to continue to collect survivors benefits or to says Vickie Henry, senior staff attorney at can’t do what other couples can do, which complicated. collect based on the new spouse’s earnings. Boston-based Gay & Lesbian Advocates & is to use your spouse’s benefit to maximize A divorced person who was married for 10 Defenders, or GLAD. GLAD is a leading your benefit. You don’t get that protection.” “If both partners have adopted them,” Rae years can also claim spousal benefits. advocacy group in the campaign to strike says, “(the children) may be able to get the down DOMA. “Quite a bit of money could be at stake,” survivors benefit, but there are some hoops to “If DOMA is struck down,” Rae says, “will says David Rae, a Certified Financial jump through.” they start that clock again? There may have “Few of those benefits are more important Planner professional and vice president of to be new laws written for some people to get than Social Security,” says Crosby Burns, investments for Trilogy Financial Services Two factors block access to Social Security their benefits.” policy analyst of the LGBT Research and in the Los Angeles area, “especially if one benefits for these children, says Burns. Communications Project at the Center partner stayed home.” THE SOCIAL IMPACT for American Progress, an independent, “First, state laws do not always provide same- The Williams Institute, a think tank at the nonpartisan educational institute based in THE SPOUSAL DISABILITY BENEFIT sex couples adoption rights that establish a University of California, Los Angeles School Washington, D.C. When the primary wage-earner in a family legal relationship between parent and child. of Law, estimates that there are approximately becomes disabled, Social Security provides Second, DOMA complicates the absence of 650,000 same-sex couples in the U.S. today “This program forms part of the bedrock of relief for his or her spouse through the adoptive rights by not recognizing the legal -- including 114,100 legally married and our nation’s safety net,” Burns says. “With spousal disability benefit. Even a divorced relationship between two legally married 108,600 in civil unions or registered domestic full and equal access to this social insurance spouse of a different sex may be eligible for same-sex individuals. partnerships. If Section 3 of DOMA is program, families headed by same-sex this benefit. repealed, “114,100 additional couples will be couples would finally have access to the “This is a huge safety net,” Henry says. “Should the Supreme Court rule that Section eligible for the range of safety-net programs economic safeguards they need, intended to “Disability is a problem that tends to affect 3 of DOMA is unconstitutional, these children and benefits that fall under Social Security’s keep them out of poverty and afloat during workers in their prime, and most people will finally be afforded access to safety- umbrella,” says Burns. hard times.” don’t carry enough disability insurance to net programs intended to keep them out of provide for that. Yet this is something that poverty,” Burns says. “This includes Social Since Social Security currently serves more Chief among them, Henry says, are the same-sex couples don’t have access to. These Security benefits, which offer thousands of than 56 million Americans, “This would spousal benefit, the spousal disability benefit, are working couples who can’t get this basic children the economic support they need hardly impact the financial standing of the the lump-sum benefit and the survivors protection, even though they are married and when their parents are no longer able to Social Security program. More importantly, benefit. The children of same-sex parents have merged their finances like other couples financially provide for them due to old age, social insurance programs like Social would also be affected. who are considered eligible.” disability or death,” he says. Security are an ultimate net gain to the economy by keeping people out of poverty, Read on to see how the Social Security LUMP-SUM DEATH BENEFIT Related: Rights of same-sex couples in high protecting against the vicissitudes of health, system works in favor of heterosexual AND SURVIVORS BENEFIT court’s hands old age and disability.” married couples and against same-sex When the first spouse dies, Social Security’s married couples. If DOMA is struck down, lump-sum benefit pays $255 to the surviving IMPACT ON SAME-SEX COUPLES gay couples stand to gain more Social spouse. A surviving child may also receive The finances of same-sex marriage partners Security benefits. this benefit. are crippled because their unions are not legally recognized under DOMA. One THE SPOUSAL BENEFIT The survivors benefit ensures that the example: “For every $100 in retirement The spousal benefit allows marriage partners surviving spouse is eligible for monthly benefits a month they do not have access to,” more flexibility in planning for retirement.