The One Thing Every Engaged Couple Should Do (But Nobody Talks About)
When you’re planning your wedding, your to-do list feels endless: the dress, the venue, the invitations. But there’s one thing most couples never talk about, and it might be the most important step you can take before you say “I do.”
There is one legal step every engaged couple should take before the wedding, and most people do not even know it exists.
Why estate planning matters for engaged couples
The average engagement lasts between 18 months and two years. During that time, you are building a life together. Maybe you have moved in, combined finances, or share a pet.
But here is what most people do not realize: being engaged does not give your partner any legal rights.
If something happened tomorrow, your fiancé would not automatically be allowed to make medical decisions for you or access your financial accounts, even if you live together. In most states, doctors would contact your parents or siblings first.
For many couples, this feels scary. You assume your partner would be the one to help if something went wrong. But without the right documents, they might be completely sidelined.
What you can do now
1. Healthcare Power of Attorney and HIPAA Release
These simple documents allow your fiancé to speak with doctors and make medical decisions if you cannot communicate. They also give them permission to receive updates about your condition, which hospitals are often legally prohibited from sharing without consent.
2. Durable Power of Attorney
This document gives your partner the ability to handle financial matters if you are incapacitated, such as paying rent, managing bills, or dealing with insurance. Without it, everything can get stuck in red tape at the worst possible time.
Take the first step
It can feel overwhelming to think about estate planning before your wedding, but it does not have to be complicated.
Take the Prepare to Plan quiz to get a personalized checklist tailored to your relationship, stage of life, and goals.
Because protecting your future together starts before the wedding, not after.
Congratulations!
FAQ
What legal documents should engaged couples have?
Engaged couples should consider completing a Healthcare Power of Attorney, a HIPAA Release, and a Durable Power of Attorney. These documents give your partner legal access to make decisions and manage finances in an emergency. You may also want to consider if a Premarital Agreement (pre-nup), Cohabitation Agreement, or Simple Will is right for you.
Why do engaged couples need powers of attorney?
Engagement does not provide legal rights. Without powers of attorney, your partner may be unable to access medical information or financial accounts if something happens before you are married.
Get started protecting yourself today
✓ Take our Prepare to Plan quiz and get a free, personalized list of the planning documents you may actually need
✓ Forward this article to someone you love
Planning is one of the most caring things you can do. Let’s make it easier - one small step at a time.
