10/16/2026
Common law marriage isn't recognized in Illinois or Florida or most other states. The states that do recognize it are the exception. Everywhere else, cohabitation is just cohabitation, no matter how long it lasts.
The people who feel this most are the ones who spent decades building a life with someone, assumed their commitment was legally recognized, and found out otherwise at exactly the wrong moment.
No property rights.
No spousal support.
No claim to retirement accounts.
The law treats a 20-year relationship the same as a 20-day one if there was never a marriage.
If you're in a long-term relationship without a marriage license, a cohabitation agreement is the only legal protection you actually have.
A cohabitation agreement can establish financial rights and expectations that the law won't automatically provide. Don't wait until a crisis to figure out where you stand.