Getting Married in Missouri: Legal Guide for Couples

In Missouri, both parties must appear in person at the county recorder's office to apply for a marriage license. You'll need to bring valid photo ID (driver's license, passport, etc.) and your Social Security numbers. The fee is typically $50-$75 depending on the county. Missouri marriage licenses are valid for 30 days from issuance, and there is no waiting period before you can get married after receiving the license.

While optional, a prenuptial agreement can protect pre-marital assets and outline financial responsibilities. In Missouri, prenuptial agreements must be in writing, signed by both parties, and executed before the marriage. For the agreement to be enforceable, there must be full financial disclosure, no coercion, and ideally each party should have independent legal counsel. Consider whether this is appropriate for your situation based on existing assets, debts, business interests, or inheritance expectations.

Marriage automatically changes certain inheritance rights in Missouri. Without a will, your spouse will receive a significant portion of your estate under intestacy laws. Update your existing will or create a new one that reflects your marriage and current wishes. In Missouri, a valid will must be in writing, signed by you, and witnessed by two competent individuals who also sign the document.

This document allows your spouse (or another designated person) to make medical decisions on your behalf if you become incapacitated. In Missouri, a healthcare power of attorney must be signed in the presence of two witnesses or a notary public. Consider your specific healthcare preferences and discuss them with your designated agent.

This document authorizes your spouse (or another designated person) to handle financial and legal matters if you become incapacitated. In Missouri, a durable power of attorney must be in writing, signed, and notarized. Consider what powers you want to grant (broad or limited) and whether you want it to be effective immediately or only upon incapacity.

Review and update beneficiary designations on life insurance policies, retirement accounts, investment accounts, and other financial assets. In Missouri, beneficiary designations typically override will provisions, so it's crucial to ensure these forms reflect your current wishes. Contact each financial institution for their specific beneficiary designation forms.

If either spouse wishes to change their name after marriage, you'll need to update various documents. In Missouri, you can use your marriage certificate as proof of name change for your Social Security card, driver's license, passport, and other accounts. Start with Social Security, then DMV, then other documents. The process varies by institution but generally requires presenting your marriage certificate.

Decide whether to maintain separate accounts, create joint accounts, or use a combination. Missouri is not a community property state, so assets acquired during marriage aren't automatically considered jointly owned. If you choose to establish joint accounts, visit your financial institution with both spouses present, bringing identification and your marriage certificate.

Marriage is a qualifying life event that allows you to add your spouse to your health insurance outside of open enrollment periods. In Missouri, you typically have 30-60 days after marriage to make these changes. Contact your health insurance provider or employer's HR department to understand the specific process and documentation required.

Marriage will affect your tax filing status. You'll need to decide whether to file jointly or separately for federal and Missouri state taxes. For most couples, filing jointly results in tax benefits, but this depends on your specific financial situation. Consider consulting with a tax professional to determine the best approach for your circumstances.

If you're moving in together after marriage, update your address with the postal service, employers, financial institutions, and for voter registration. Also update emergency contact information with employers, doctors, and other relevant organizations to include your spouse.

Marriage often qualifies you for insurance discounts. Contact your insurance providers to combine policies or add your spouse to existing coverage. In Missouri, auto insurance is required, and providers typically offer multi-car and multi-policy discounts for married couples.