Please read A SILVER DOLLAR FOR DISABLED MARRIAGE, PART ONE: WHEN I SAID I DO, THE GOVERNMENT SAID WE DON’T HAVE TO ANYMORE before continuing.
I got married.
And with that, my husband and I prepared for a unique financial situation—the inevitable loss of my disability income. But, there was a possible escape, a way to have my cake [ahem, income] and eat it, too.
Enter common-law relationships.
I grew up in a solid Christian home and as an adult, I still choose to hold to those values and beliefs. And I have always dreamed of getting married and having a godly, Christ-centered marriage. But by the time my husband and I met, it was clear that we had to make a choice between my financial stability and my longing for a godly [and legal] marriage. And I wasn’t the first to face this dilemma.
In British Columbia, the Ministry slashes a disabled person’s disability income once they get married. Because, as we all know, disabled people marry rich, financially secure partners with no money woes or debt to pay off, so it’s totally fine to cut back one partner’s entire income once they say “I do.”
Exaggerated? Maybe. But it’s sure how it feels, considering that is the choice my husband and I faced and now, the consequences we live with.
Let’s take a moment and refresh our memories, shall we?
As a married couple, both partners have to claim every dollar made between them, and each dollar claimed is a dollar less that can be received through monthly disability support once the income threshold for a couple [$18,000] is reached.
However, there is one loophole one can jump through in order to keep both their disability income and a shared life with their partner—living common-law. Many disabled British Columbians are opting for this option rather than legal marriage because as stated, it allows them to live with their partner and keep receiving support payments, which is often that partner’s only means of income.
My husband and I wanted a legal, on-paper, out-loud, God-honouring marriage. But that isn’t to say we didn’t seriously consider foregoing the tradition and simply moving in together and beginning our lives together without the fanfare.
Financial success isn’t everything. But being financially stable is not something to be dismissed, and it has always been a goal for my marriage. And we knew what we were up against: Being disabled is expensive. Caring for a service animal is expensive. And finding a job to pay for these expenses is next to impossible, since too many employers are unwilling to hire people with disabilities in favour of their convenience. Living common-law would at least let me share a home and a life with my partner while contributing to our financial future, whereas legal marriage would ensure a regress in our goals and a slap in my face for doing the right thing.
Now, being married and living with the aftereffects of that choice, I do have to say that I do not regret it. My faith and the values I glean from it are more important. But admittedly, it hurts, knowing that I can’t contribute equally to our financial future, that what I can contribute will be lost in a few months’ time, and that we have to have a “Scary Fund” to keep us afloat when the months without my income arrive.
But this is how it is with the Ministry every time I make a call, go to the office, or claim my husband’s and my income on our monthly report. It’s a slap in the face for doing the right thing, both legally and biblically. I did not hide my marriage nor skirt around it to keep my income, but in following their policies and procedures, I lose my income.
Because the government system in place to provide for people like me makes us choose between a loving relationship and financial security.
Because God knows, we don’t deserve both.