In Maryland, married couples, whether same-sex or opposite-sex, receive full legal benefits. However, for unmarried cohabitants, benefits depend on specific laws and situations. If an unmarried cohabitant dies due to a work-related injury, the surviving partner may receive workers’ compensation benefits if they can prove dependency on the deceased. These benefits can include unpaid disability compensation if designated in the deceased’s will or compensation for death occurring within seven years of the injury. Maryland law generally does not grant death benefits to unmarried cohabitants under federal statutes or the Social Security Act. In terms of automobile insurance, coverage for unmarried cohabitants depends on the specific terms of the policy, such as whether it includes a “household exclusion” clause or extends coverage to household members. However, unmarried cohabitants can be named as beneficiaries on life insurance policies.”









