Gay activists see the issue of same sex marriage as an issue of full civil equality as citizens and similar treatment as other life partnered couples. The Christianists, on t
he other hand see the issue of one where they expect all other citizens to live their lives according to Christianist religious views and to Hell with the freedom of religion rights of others. And because gays do not conform to the Christianist religious belief system, the Christianist goal is to have us penalized and punished in as many ways as possible so as to signal to the world our inferiority. In an article today the New York Times confirms that religious based discrimination against same sex couples is very costly from a financial perspective given the number of rights and benefits LGBT couples are denied since they cannot legally marry in most states and because the federal government refuses to recognize their marriages even in states where same sex marriage is legal. The Times analysis focuses only on the financial cost of legal inequality and does not venture into the emotional and psychological cost to gays who are faced with daily discrimination and bigotry because of religious based discrimination written into both state and federal laws. Here are some story highlights:*
Much of the debate over legalizing gay marriage has focused on God and Scripture, the Constitution and equal protection. But we see the world through the prism of money. And for years, we’ve heard from gay couples about all the extra health, legal and other costs they bear. So we set out to determine what they were and to come up with a round number — a couple’s lifetime cost of being gay.
Much of the debate over legalizing gay marriage has focused on God and Scripture, the Constitution and equal protection. But we see the world through the prism of money. And for years, we’ve heard from gay couples about all the extra health, legal and other costs they bear. So we set out to determine what they were and to come up with a round number — a couple’s lifetime cost of being gay.
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It was much more complicated than we initially imagined, and that’s probably why we’ve never seen similar efforts. We looked at benefits that routinely go to married heterosexual couples but not to gay couples, like certain Social Security payments. We plotted out the cost of health insurance for couples whose employers don’t offer it to domestic partners.
It was much more complicated than we initially imagined, and that’s probably why we’ve never seen similar efforts. We looked at benefits that routinely go to married heterosexual couples but not to gay couples, like certain Social Security payments. We plotted out the cost of health insurance for couples whose employers don’t offer it to domestic partners.
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Here is what we came up with. In our worst case, the couple’s lifetime cost of being gay was $467,562. But the number fell to $41,196 in the best case for a couple with significantly better health insurance, plus lower taxes and other costs.
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These numbers will vary, depending on a couple’s income and circumstance. Gay couples earning, say, $80,000, could have health insurance costs similar to our hypothetical higher-earning couple, but they might well owe more in income taxes than their heterosexual counterparts. For wealthy couples with a lot of assets, on the other hand, the cost of being gay could easily spiral into the millions.
These numbers will vary, depending on a couple’s income and circumstance. Gay couples earning, say, $80,000, could have health insurance costs similar to our hypothetical higher-earning couple, but they might well owe more in income taxes than their heterosexual counterparts. For wealthy couples with a lot of assets, on the other hand, the cost of being gay could easily spiral into the millions.
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Heterosexual married couples can transfer an unlimited amount of assets to each other during their lives and at death without paying estate taxes. Everyone else, including married same-sex couples, must pay federal estate taxes on amounts that exceed the 2009 exemption of $3.5 million. Many states also levy their own estate or inheritance taxes, though same-sex couples may be shielded from those in states that recognize their unions. Our couple lived in New York, where the estate tax exemption is $1 million. And though New York recognizes marriages performed elsewhere, that recognition does not extend to state income or estate taxes.
*Even married same-sex couples are encouraged to create a number of documents that try to replicate the protections and rights of heterosexual marriage because their unions are not universally recognized. In the worst case, our gay couple spent $5,500 more than their heterosexual counterparts on their additional paperwork. That included a revocable living trust, which is more difficult to contest than a will, and what is known as a pour-over will, which ensured that anything left out of the trust would be included. They also each set up financial powers of attorney, health care proxies, living wills and a domestic partnership agreement.
*Again, the ONLY true justification behind this disparate treatment of same sex couples is religious based discrimination. Because we do not adhere to Christianist religious views, we pay a price literally for merely being who God made us to be. Clearly, under any literally reading of the U.S. Constitution such religious based discrimination should be illegal.
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