ࡱ> 132` bjbjss 7JJJJ V ,nnnnnnnn$ h% |6nnnnn6nnKnnnnnb Ja0 4  ,nnnnnnn66nnnnnnn Submission to the National Inquiry into Discrimination against People in Same-Sex Relationships: Financial and Work-Related Entitlements and Benefits. My name is John Curmi, and I live in [details removed] ACT. In November 2000, my partner of 13 years [name removed] died suddenly of Ischaemic Heart Disease. In his Will, he named me as the beneficiary of his Life Insurance policy of $100,000.00. I was also named on the policy itself as the beneficiary. Also in the Will, after several bequests to friends and family, I was named as the absolute beneficiary of the residual estate. Included in this were two investments wherein he had rolled over his superannuation entitlements on retiring. I cannot say with certainty whether I was a named beneficiary on those investments. All moneys however were released to the Estate. None were released directly to myself. It is my understanding that if we had been a de-facto heterosexual couple, the finance companies would most likely have released some of the moneys to me, rather than to the Estate. It is my understanding that if this had occured, the taxation on the Estate would have been significantly less. I also believe that, had we been a de-facto heterosexual couple, the Estate would have been taxed at a lower rate. I also believe that if I had been financially dependent on [name removed] [my partner], which I was not as I had my own job, the taxation on the Estate would have been less. As it was, the Estate had a tax bill of $32,000.00. I believe that if we had been a heterosexual couple, it might have been as little as $10,000.00. I have little understanding of the laws governing the release of moneys, and the taxation of estates, so I could well be wrong about what differences there would have been had we been a de-facto heterosexual couple. As you are investigating these and other laws, you would have a better idea of these differences. Please feel free to contact me should you seek further information on this submission. Yours sincerely, John Curmi  6 R hh;LCJOJQJ^JaJh9 CJOJQJ^JaJhCJOJQJ^JaJ c ?@ 7$8$H$gd50P:p/ =!"#$% @@@ NormalCJ_HaJmH sH tH DAD Default Paragraph FontRiR  Table Normal4 l4a (k(No ListH@H 9 Balloon TextCJOJQJ^JaJ c?@00000000000000 ch0h0h0j0j0h0j0h0,h0h0h0h0X  46 6R469 E;L y@66d)]66P@UnknownGz Times New Roman5Symbol3& z Arial?5 z Courier New5& zaTahoma"hFF//r42HX)?2Submission to the National Inquiry into Discrimination against People in Same-Sex Relationships: Financial and Work-Related Entitlements and Benefits Emily Gray Emily GrayOh+'08DXdp    Submission to the National Inquiry into Discrimination against People in Same-Sex Relationships: Financial and Work-Related Entitlements and Benefits Emily Gray Normal.dot Emily Gray2Microsoft Office Word@G@)@)/՜.+,0 hp  rHuman Rights Commission Submission to the National Inquiry into Discrimination against People in Same-Sex Relationships: Financial and Work-Related Entitlements and Benefits Title  !"#%&'()*+.Root Entry F00Data  1TableWordDocument7SummaryInformation(DocumentSummaryInformation8$CompObjq  FMicrosoft Office Word Document MSWordDocWord.Document.89qRoot Entry FЖ<<ɘ6Data  1TableWordDocument7  !"#54 Financial and Work-Related Entitlements and Benefits Title4 $, SummaryInformation(DocumentSummaryInformation8CompObjq  FMicrosoft Office Word Document MSWordDocWord.Document.89q՜.+,D՜.+, hp  rHuman Rights Commission Submission to the National Inquiry into Discrimination against People in Same-Sex Relationships: