"In general terms, the Talmud distinguishes between a concubine and a wife in the following way: Wives have ketubah (marriage contract) and kiddushin (formal marriage ceremony i.e., hupah) while concubines have neither...
"However, Rashi takes issue with this definition. According to him, even a concubine must have kiddushin, but what she lacks is a ketubah (which delineates the financial responsibilities a husband has for his wife)."
There's a reason that Jewish marriage requires a ketubah. A document spelling out the terms of the arrangement, as well as what will happen should the relationship dissolve (by divorce or death), is invaluable for the ex-partners.
In the case of a death, it's also pretty handy for any children or other people with claims on the estate.
When Bad Cohen's father died, he left behind three adult children, and a non-Jewish live-in partner. She was a divorcee who was a family friend for decades, and the children on both sides though the relationship was weird, but were glad they could now be sort-of-stepsiblings, as they'd all been close for the last 30 years.
Fortunately, BC's dad had spelled out clearly what he wanted to happen in the event of his death, through his will and conversations with the children and this partner.
Unfortunately, she either willfully misconstrued things, or has gone completely off her rocker, and now thinks that she should live in their house rent-free, while HIS children pay off the mortgage, property taxes, utilities, etc. Never mind that she has income of her own, and her own children, she thinks that HIS children are supposed to support her for the rest of her life.
I should probably mention that even if they wanted to, the kids can't afford to do this - we have families of our own, and aren't too stable financially, especially if we use the minor inheritence to pay off the mortgage for BC's dad's house. BC himself is roughly 50% disabled, so we'll always be poor.
I was thinking of the Torah's injunction not to oppress the widow or the orphan... and realized that without a civil marriage, let alone a Jewish one with a ketubah, there is no widow here.
There is a modern concubine, who agreed to a relationship that didn't come with death benefits.
So, lady, sorry, but please don't oppress the orphans. They have enough to deal with without your meshugas.