- Cohabiting means living together in a conjugal relationship, whether or not the couple is married.
- Your legal marriage keeps its own rights and deadlines until it is resolved, including equalization and support.
- Tax, immigration, pension and benefit rules each define a common-law partner differently, so the answer can change by purpose.
You and your spouse have separated, but you are not divorced, and you have since moved in with someone new. It is natural to wonder what that makes you in the eyes of the law.
There is no single label. Different laws define spouse and common-law partner for their own purposes, and some questions about overlapping relationships depend on the facts and are worth confirming with a lawyer or accountant.
Living together does not depend on being unmarried
Under the Family Law Act, to cohabit means to live together in a conjugal relationship, whether the couple is married or not. So being legally married to someone else does not by itself stop a new relationship from being a cohabiting one.
At the same time, the general definition of spouse in Parts I and II of the Act covers only people who are married to each other, or who entered a void or voidable marriage in good faith. Your legal marriage therefore continues to carry its own rights until it ends.
What still applies between you and your legal spouse
Separation does not end the legal obligations of marriage. Every spouse must support themselves and the other spouse according to need, to the extent they are able. Support claims under the Family Law Act have no limitation period.
Property is also still in play. On divorce, nullity, or separation with no reasonable prospect of resuming cohabitation, the spouse with the lower net family property is entitled to one-half of the difference. An equalization claim must be brought by the earliest of two years after divorce or a nullity judgment, six years after separation with no reasonable prospect of resuming cohabitation, or six months after the first spouse's death.
Whether a new relationship changes any of these deadlines depends on your situation, so it is worth confirming with a lawyer. Child support also does not depend on marriage, since every parent must support their child to the extent they are able.
Your new partner and support or property
For support, the Act widens the word spouse to two unmarried people who have cohabited continuously for at least three years, or who are in a relationship of some permanence and are the parents of a child. Ontario's guidance describes the same two routes.
How that wording applies when one partner is still legally married to someone else depends on the facts. It is a point to confirm with a lawyer before you rely on it.
On property, Ontario says common-law couples are not legally required to split property acquired while they lived together, and household items belong to the person who bought them. A partner who contributed to property the other owns may have a right to part of it.
Taxes, benefits, pensions and immigration
Each area has its own test, so the same household can be treated differently depending on the purpose.
| Area | What the rule says | Point to watch |
|---|---|---|
| Federal income tax | A common-law partner cohabits with you in a conjugal relationship for the 12-month period ending at that time, or is a parent of your child | Short separations under 90 days do not break cohabitation |
| CRA reporting | You must tell the CRA about a change in marital status by the end of the month after the change | A separation counts once it has lasted more than 90 days |
| Immigration | A common-law partner has cohabited in a conjugal relationship for at least one year | Current IRCC guidance should be checked if you are still legally married |
| Pensions (Ontario) | Spouse includes unmarried partners living together for at least three years, or with some permanence and a child | A married spouse living separate and apart on the date of death has no pre-retirement death benefit |
| Workplace benefits | Spouse means what the benefit plan says | Read your plan's own definition |
How to report your status for tax when you are still married to someone else, and how immigration officials treat that situation, depends on the circumstances and is worth confirming with the CRA, IRCC or an accountant.
What to do next
- Record the date you and your spouse separated and the date you began living with your new partner.
- Keep evidence of shared expenses, a shared address and how you present yourselves as a couple.
- Diarize the equalization and any other deadlines that apply to your marriage.
- Tell the CRA about a change in marital status by the end of the month after it happens.
- Check your pension, benefit plan and estate documents for who is named and how spouse is defined.
- Ask a lawyer whether to finalize your divorce and how it affects your new relationship.
If you have no will, a common-law partner does not inherit automatically, because the intestacy rules use the married-spouse meaning. That is one reason to review your estate planning.
Frequently asked questions
Can I have a common-law partner while still married?
The Family Law Act says cohabit means living together in a conjugal relationship whether or not the couple is married. Whether your new partner counts as a spouse for a particular purpose depends on that purpose's definition and the facts.
Do I still owe my legal spouse support or property?
Possibly. Each spouse must support the other according to need to the extent able, and equalization applies on separation with no reasonable prospect of resuming cohabitation. Support has no limitation period, but equalization has deadlines.
When does tax treat us as common-law?
For federal income tax, a common-law partner is someone who cohabits with you in a conjugal relationship and has done so throughout the 12-month period ending at that time, or who is a parent of your child. Confirm how to report your situation with the CRA or an accountant.
Will my new partner inherit if I have no will?
Not automatically. The intestacy rules use the Family Law Act meaning of spouse, which is married spouses only. A will is the usual way to address this.
Sources
- Family Law Act, R.S.O. 1990, c. F.3, s. 1(1) (e-Laws) — Ontario e-Laws
- Ontario.ca – Spousal support — ontario.ca
- Limitations Act, 2002, S.O. 2002, c. 24, Sched. B, s. 16(1)(c) (e-Laws) — Ontario e-Laws
- Ontario.ca – Dividing property when a marriage or common law relationship ends — ontario.ca
- Income Tax Act, R.S.C. 1985, c. 1 (5th Supp.), s. 248(1) "common-law partner" — Justice Laws (federal)
- Canada Revenue Agency – Change your marital status — canada.ca
- Immigration and Refugee Protection Regulations, SOR/2002-227, s. 1(1) — Justice Laws (federal)
- O. Reg. 286/01 (Benefit Plans) under the Employment Standards Act, 2000, s. 1 (e-Laws) — Ontario e-Laws
Links go to official government, court and regulator pages. The law changes — confirm you are reading the current version.
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