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no reply to wedding cert! legal?life assurance?

  • 28-05-2012 12:09am
    #1
    lennyloulou
    Registered Users, Registered Users 2 Posts: 344 ✭✭


    hi, could I get some advice please...
    1. married a year... we just realised we never got any cert/notification back from the Hse/marriage register after we sent in our signed documentsfrom the mass ( 2weeks after the wedding, almost a year ago).. I have rang but they are only opened 2-3pm and never answer the phone. I will pop in next week but am wondering is this normal?
    2. we both work... should we be taxed as a couple or stay as individuals... i really dont know anything about this.
    3. The mortgage is in my name and c.union loan.. had this before we met...he gives me half the money for them..but not on paper.just wondering about putting him on it in title...get some form of protection on it just in case something bad happened i wouldnt be able to pay loans back on my own. what do i look for..life assurance/update mortgage protection policy...

    thanks for any sound advice you could give


Comments

  • #2
    CIARAN_BOYLE
    Registered Users, Registered Users 2 Posts: 14,599 ✭✭✭✭CIARAN_BOYLE


    lennyloulou wrote: »
    hi, could I get some advice please...
    1. married a year... we just realised we never got any cert/notification back from the Hse/marriage register after we sent in our signed documentsfrom the mass ( 2weeks after the wedding, almost a year ago).. I have rang but they are only opened 2-3pm and never answer the phone. I will pop in next week but am wondering is this normal?
    2. we both work... should we be taxed as a couple or stay as individuals... i really dont know anything about this.
    3. The mortgage is in my name and c.union loan.. had this before we met...he gives me half the money for them..but not on paper.just wondering about putting him on it in title...get some form of protection on it just in case something bad happened i wouldnt be able to pay loans back on my own. what do i look for..life assurance/update mortgage protection policy...

    thanks for any sound advice you could give
    1 don't think its normal
    2 its up to you I would need more information to say for sure, usually if one of you have tax credits or allowances at the lower rate available while the other doesn't it would be preferable to be taxed as individuals


  • #3
    jaspertheghost
    Registered Users, Registered Users 2 Posts: 231 ✭✭jaspertheghost


    you only get a cert if you go in and pay for it,its 10euro,i was in the same boat and i rang them and thats what they told me,you ARE still registered as married tho,you will need your marriage cert for changing over titles and stuff,


  • #4
    seamus
    Registered Users, Registered Users 2 Posts: 68,317 ✭✭✭✭seamus


    Yes it's normal to get no reply or confirmation from the HSE that your documents have been received.

    Which is frustrating because if the documents don't get there, you're not legally married. You think they'd send a receipt or something.

    Whether being taxed as a couple will have any specific benefit for you is dependent on how much you both earn. At the very least you should notify Revenue that you were married last year and you will get a refund of your marriage tax credit for last year (€120 each or something like that). If you're both earning enough to put you in the higher tax bracket, then there's usually little or no benefit to being taxed as a couple, but it can't hurt.

    In terms of your mortgage/loans, since your primary concern is your ability to repay, then I would speak to your insurer about your mortgage protection/life assurance and what it would require to have your husband covered by it. I suspect at a minimum it would require his name to be added to the mortgage and in turn that would probably require his name to be added to the deeds of the house.
    To the best of my knowledge, adding a spouse is the only time when this is free or a nominal cost, but I could be wrong. I'd start with the insurer, I'm sure this query comes up all the time.


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