I'd like to address the "life partner" issue since there's been several posts on this forum from partners (not legal spouses) who were shocked and suffering financial hardships when their partners became incapacitated or passed away. Don't make any assumptions. Make sure you know if your home state recognizes "common law" marriages. Most states do not. This means even though you might have been together for decades, you have no legal rights like a married spouse would. Make sure your financial future is secure: your partner has made you joint on financial accounts, you are the beneficiary named on assets and named as an heir in their Will. If your partner doesn't have a Will and you live in a state that doesn't recognize common-law type relationships, then you may be in dire financial straits if you don't make preperations now.
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If you weren't around, he'd have to pay someone. You shouldn't do it for free.
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