Legal Question in Criminal Law in California

insurance fraud?

A friend of mine has been living with a man for over 14 years. They call each other husband and wife, but have never actually gotten married. He recently put her and her daughter (not his biological child) on his health insurance at work, listing them as his wife and daughter. I told her this probably wasn't a good idea, but she insisted she can't get into any trouble. Which one of us is right? Can she get into trouble? If she can, how likely is it that someone will find out?


Asked on 2/28/03, 5:20 pm

2 Answers from Attorneys

Michael Troy Attorney at Law

Re: insurance fraud?

This response is in general terms. A better source of information would be someone who devotes a large majority of their practice to family law. However, since it was directied to me, I want to offer what assistance I can.

I think the issue is not whether she can get into trouble, if by troubly you mean criminal charges. What is at issue is whether she will be covered by the insurance if the carrier requires that the covered person actually be married to the employee. Since California does not recognize common law marriages achieved in California, this may be a problem. If they disclose their relationship and the carrier still accepts them, all is well.

That being said, it is also not out of the realm of possibility that the carrier could say a criminal fraud has been committed if a claim for payment is submitted for the woman or her daughter under the policy if the policy requires that the two adults actually be married and they have not disclosed their true relationship.

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Answered on 3/01/03, 1:47 am
Lyle Johnson Bedi and Johnson Attorneys at Law

Re: insurance fraud?

One solution to the problem would be for this couple to go through a confidential marriage. They would obtain a California marriage license, but that would not be a public record. They would then be legally married without announcing to the world that they had lived together without being married.

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Answered on 3/02/03, 8:26 pm


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