If you dont, we may pay you the wrong amount and youll have to repay the money. Draw your signature, type it, upload its image, or use your mobile device as a signature pad. Share your form with others. How changes in your situation can affect your payment. Financial Advantage simply means that you benefited financially (e.g. We are experienced in successfully defending Centrelink fraud charges. 222 0 obj <>/Encrypt 198 0 R/Filter/FlateDecode/ID[]/Index[197 46]/Info 196 0 R/Length 112/Prev 161778/Root 199 0 R/Size 243/Type/XRef/W[1 3 1]>>stream The message is simple if you are a member of a couple you must declare this if you are receiving welfare payments.. The information, including statements, opinions, documents and materials contained in this article is for general information purposes only. Because ripping off the government is only allowed if you're rich. [4] Commonwealth Criminal Code 1995 (Cth) s 134.2(1). [1] This offence carries a maximum penalty of 12 months imprisonment.[2]. Isnt this historic in Australia because of WWII war widows, claiming the widows pension whilst having a gentleman lodger, or something like that? This information was printed 2 March 2023 from https://www.servicesaustralia.gov.au/relationship-changes. If you break up with your partner, you need to tell us so we can keep paying you the right amount. log in. 197 0 obj <> endobj Book a free consultation or call us on 1300 668 484 for 24/7 legal advice. They have been known to hire private investigators which in my mind is a great waste of public funds just to find Sheryl is not actually a single mum, she has a boyfriend that frequently sleeps over and who works as a labourer. To join the conversation, please A Sobering Discussion on Drunk in a Public Place and Drunk and Disorderly, Cultivation of Narcotics (Non-Commercial Amount), Supplying Drugs of Dependence to Children, Grooming for Sexual Conduct With a Child Under the Age of 16, Sex Offenders Register Implications & Responsibilities. Under jobactive, you have a number of rights that are designed to protect you from . endstream endobj 198 0 obj <>>>/Filter/Standard/Length 128/O( ,\(r*W9RtQ ])/P -1036/R 4/StmF/StdCF/StrF/StdCF/U(p}|>i )/V 4>> endobj 199 0 obj <>/Metadata 72 0 R/Names 224 0 R/PageLabels 191 0 R/PageLayout/SinglePage/Pages 194 0 R/StructTreeRoot 172 0 R/Type/Catalog/ViewerPreferences<>>> endobj 200 0 obj <>stream Witnesses have described terrifying scenes after a young boy was hit by a train on his way to school. Require the completion of declarations or acknowledgements, Enforce ongoing compliance, performance and contract reviews, Centrelink recipient lies about her circumstances, $66,123.82 in the Parenting Payment (Single). Create an account to follow your favorite communities and start taking part in conversations. Your relationship can be official in a few ways. myGov is a simple and secure way to access online government services. 02. I live with my partner, however we have no financial ties to one another other than occasionally transferring money for internet and groceries as most housemates do. For more information, please see our If youre in, have left, or are preparing to leave this relationship, please talk with us. 8COIZ>5bj3tiaTbd5,:=Kp5e5${T& Taskforce Integritys pilot program, which ran in the southern Sydney suburb of Rockdale last year, netted over $2.2 million in debts owed to the Commonwealth, referring 36 cases of suspected fraud for investigation. Privacy Policy. falsifying income records); or. If you only get a families payment and wont be claiming another payment, when you separate call us on our Families line. Families payments include: We have information and can help with child support arrangements between separated parents. Please consider any relevant site notices at https://www.servicesaustralia.gov.au/site-notices when using this material. I'm considering lying about my relationship status to Centrelink. Contamination of Goods Offence: Theres a Needle in My Strawberry! This includes the end of a marriage, defacto relationship or other personal relationships. Find out more about our policy and your choices, including how to opt-out. In one case a couple claiming to be separated but who were living under the same roof were found to be lying when they announced on Facebook they were expecting a baby. You should seek legal advice from an experienced defence lawyer. The declaration could be written or verbal, and should encourage compliance and deter fraud. Type text, add images, blackout confidential details, add comments, highlights and more. Assault Offences Because people will be living in de facto relationships but claim to be single. There may be other penalties. There are several different forms of Centrelink Fraud under sections 134 and 135 of the Criminal Code Act 1995 (Cth). Couples who live together are sometimes called common-law partners. [3]. Boy, 11, struck by train fighting for life, Terrifying moment shop held at knifepoint. Police claim the man was part of a group of four who became involved in a fight at a popular bar and restaurant night spot. The welfare definition of being in a relationship is defined by legislation and the questions in the form are used to determine your status under law. c PfcF'XIoCz-!R6X{(9$C3yTwz^h^T'm dH misleading Centrelink in relation to the existence or extent of a disability; lying about your relationship status or living arrangements; providing false information to Centrelink (e.g. Previously, once a discrepancy was discovered, a Centrelink officer would conduct a basic investigation before sending out a letter asking the recipient for an explanation. Decisions regarding employment relationship statuses, independent contractor or employee, at the request of participating agencies. If you can't find an answer to your question, please contact us. It may not include all of the relevant information on this topic. hbbd```b``"HFL `DJ@R`6xH`]I`6Xs:`O0yL00v#L =y These offences are described in the legislation as obtaining property or financial advantage by dishonesty or deception. Youll each need to complete and return a Relationship details - Separated under one roof form. The consequences of welfare fraud are serious. We do not have any photos together online or any presence as a couple, other than having lived together for over 4 years. [1] Commonwealth Criminal Code 1995 (Cth) s 135.2(1). Anti-Money Laundering Compliance & Advice, International & Transnational Criminal Law, Centrelink Fraud charges - Deception vs Hardship. Press J to jump to the feed. $3,525.62 in the Pensioner Education Supplement. Automatically match data with another internal or external source to obtain or verify relevant details or supporting evidence. We pay our respects to all Elders, past and present, of all Aboriginal and Torres Strait Islander nations. A welfare recipient received Centrelink benefits to which she was not entitled by claiming she was single when she was in a de facto relationship. She put me on centrelink by sexually harassing me out of my job somewhere else. Your relationship may be de facto, registered or married. Centrelink is more likely to pursue an investigation or prosecution if they believe you were intentionally deceptive or the amount you incorrectly received was substantial. Log in to access HPOS, Business Hub, Aged Care Provider Portal and a range of other government online services. Centrelink fraud, also known as social security fraud or welfare fraud, occurs when someone receives social benefits they are not entitled to. Top payments. I am a bot, and this action was performed automatically. This article will consider the offence of obtaining a financial advantage by deception. Why do they need to know who does the washing, if we use the same kitchen and who owns what car etc? %PDF-1.6 % Theyll stop my payments if I dont within 14 days, which is funny considering that it took them over four months to approve my claim. We can support you if theres a family and domestic violence situation. Obscene, Indecent or Threatening Public Behaviour. If you have a partner, we generally consider you a member of a couple. If you obtain a Centrelink benefit by deception, a prison sentence is a likely outcome, and you may be liable for the 10 years maximum sentence. To tell us about a change in your relationship, you may need to complete a form. We pay our respects to all Elders, past and present, of all Aboriginal and Torres Strait Islander nations. You can do it this way if you get one of the following payments: You can use the separation details form if you cant tell us online. All times AEDT (GMT +11). For example, if providing incorrect employment details did not result in you receiving a higher amount than you would have been entitled to. Tania Sharp was living in the same house with Darren OBrien, the father of her two youngest children, but was claiming a single parenting payment because she said they were not a de facto couple. CCTV has been released of the moment a deli worker was forced to hand over cash and cigarettes, with a police hunt launched to track down the thieves. We define a relationship as de facto, registered or married. These people need to understand they are stealing from their neighbours, including those in the community who are genuinely in need.. Sydney NSW 2000, Nyman Gibson Miralis Criminal Defence Lawyers. The majority of welfare recipients do the right thing, however, the reality is there are those who deliberately try to game the system, he said. In one case a couple claiming to be separated but who were living under the same . It only takes a few minutes to do and you can do it yourself online. If you have a problem with that take it up with your MP. Copyright 2023: Leanne Warren & Associates. This post has been marked as non-political. how likely is it that I will get caught given that Centrelink knows we both live at the same address, and how severe would the punishment be for such a lie? Those forms are legal documents. falsifying income records); or forging documents to receive welfare benefits. 0 This is so we pay you the right amount. In the last financial year, the federal government assessed 671 000 new claims for the dole. If it's something they can't prove without going to great lengths I would encourage you to lie through your teeth. That is, Centrelink will not look at your parent's income. Verify any requests or claim information you receive with an independent and credible source. If you are still receiving Centrelink benefits, they will deduct a percentage of money from your payments to cover the debt. I can't even imagine trying to remember every lie like that you tell, so you don't ever trip yourself up. If you start a relationship and get any Centrelink payments or concession cards, complete and return the partner details form. Bail Applications and Conditions Fax: (02) 9264 9797, Level 9, 299 Elizabeth Street Nationwide News Pty Ltd 2023. Driving Offences Since 2016, the robo debt computer system which detects discrepancies automatically sends out a letter. The worst one is wanting to know what each person's name is and what they pay. Relevant impacts:Financial impact and business impact. I was stalked by a centrelink employee once. You provide requested information to Centrelink, but the information is insufficient. Half have gone to court. !J1zhr"! +7nR{69ECP=*0Y/IR C'. I was living in a share mansion with at least 13 other people (there were names on each fridge shelf). Mutual Wills package with Last Wills and Testaments for Married Couple with No Children - North Dakota, Legal Last Will and Testament Form for Married Person with Adult and Minor Children from Prior Marriage - North Dakota, Legal Last Will and Testament Form for Married Person with Adult and Minor Children - North Dakota, Mutual Wills Package with Last Wills and Testaments for Married Couple with Adult and Minor Children - North Dakota. These lies resulted in her receiving: $19,589.47 in Newstart Allowance. 02. These lies resulted in her receiving: The woman was found guilty of 5 counts of fraud under the Criminal Code 1995 (Cth) and sentenced to 2 years in prison. Log in to access HPOS, Business Hub, Aged Care Provider Portal and a range of other government online services. Because there are so many ways for them to screw you. You can review the details they've given us and confirm your relationship status using your Centrelink online account through myGov. Share your form with others. Quite often, offences are discovered by cross-checking Centrelink information with the Australian Taxation Office when a tax return is lodged. %%EOF 01. Its important to tell us when your relationship changes. You may need to confirm your relationship status with us. Though she didn't know me through centrelink. received welfare payments). We define a relationship as either: If youre not sure whether youre a member of a couple, we may need to assess your relationship. You will have a defence to your charge if you did not intend to obtain a financial advantage. Followed categories will be added to My News. 03. You will also have a defence if you obtained the financial advantage without deception. You perform part time work and receive a top up benefit, but one week your income exceeds the threshold level and you dont declare it. If you have a problem with that take it up with your MP. COUPLES who lie about their relationship status to Centrelink to claim more generous dole payments will be targeted by a new fraud-busting taskforce. This is to ensure you get paid correctly. If you have been charged with an offence, then contact Leanne Warren today to discuss your defence. City-Data Forum > General Forums > Relationships: lying about marital status (divorce, friend, emotionally, internet) User Name: Remember Me: Password : Please register to participate in our discussions with 2 million other members - it's free and quick! HUNDREDS of couples are claiming false marital and relationship status to rort millions of dollars from Centrelink. Draw your signature, type it, upload its image, or use your mobile device as a signature pad. Our Team Drink Driving Penalties in Victoria Important Updates, Driving Under the Influence vs Driving with a Prescribed Content of Alcohol, Driving whilst Impaired by Drugs Drug Driving. Send how do i change my relationship status with centrelink via email, link, or fax. When to use this form This form is used to record information from a person (a referee) nominated by you, about your relationship status. Taskforce Integrity, which was formed last year, is now operational in suspected welfare-fraud hot spots across New South Wales, Queensland and Victoria, and will continue to expand across other states throughout the year. If you lie about your relationship status to Centrelink for the purpose of gaining payments, or increased payments, then you may have committed Centrelink fraud. 01. The recipient lied to Centrelink about her circumstances on a number of occasions in order to keep the fraud going. Her profile is not set to public. You need to tell us when you become a member of a couple or end a relationship. This usually happens because they have mistakenly, or purposely, provided incorrect information. Sign it in a few clicks. DocHub v5.1.1 Released! You can review the details theyve given us and confirm your relationship status using your Centrelink online account through myGov. Edit your centrelink update relationship status online. All times AEDT (GMT +11). We may need to ask a third party, a person we call a referee, to verify your relationship status. The Liberal candidate in Kogarah says he capitalised on Opposition Leader Michael Daleys anti-migrant remarks to secure an 8.4 per swing in the primary vote in the Labor stronghold; Mr Daley takes the family to lunch; Bill Shorten says lessons must be learned; and, Labor women praise the Premier. The Deceiver makes others believe something that is not true to dishonestly gain personal benefits. You need to tell us about your boyfriend, girlfriend or non-binary relationship. Ms Perton said Ms Sharps claims to be financially independent from Mr OBrien were also not as clear cut as argued. The Office of the Commonwealth Director of Public Prosecutions. The following may be examples of obtaining a financial advantage by deception: If you simply fail to notify Centrelink of changes in your circumstances, you could be charged with the lesser offence of obtaining financial advantage (with no deception or dishonesty). Nationwide News Pty Ltd 2023. We'll tell them in the claim if they can do this. we are over the moon!!. How the hell was I supposed to know what each one paid and why where their names important to Centrelink. Life in the fast lane can you contest a speeding fine? Theft and Property Offences, Level 7 501 La Trobe Street Melbourne VIC 3000 DX 38243 Flagstaff. If you lie about your relationship status to Centrelink for the purpose of gaining payments, or increased payments, then you may have committed Centrelink fraud. If you have been charged with obtaining a financial advantage from a Commonwealth entity, it is imperative that you contact an experienced legal practitioner as soon as practicable so that the best defence for your case can be identified. Join the conversation, you are commenting as. We define a relationship as de facto, registered or married. You can update these details at any time. Fraud Offences, Homicide We may need to assess your relationship to decide if you're a member of a couple. You can tell us using yourCentrelink online account through myGov. Areas of Practice Request a Quote, Appeals Against Sentence or Conviction Offences of Breaching Court Orders Drug Offences Services Australia acknowledges the Traditional Custodians of the lands we live on. Talking About Stalking When Does Behaviour Constitute the Offence of Stalking? This is so we pay you the right amount. [3] Commonwealth Criminal Code 1995 (Cth) s 134.2(1). Medicare benefits for health professionals. A few possible scenarios that could get you into trouble include: Centrelink fraud offences are prosecuted by the office of the Commonwealth Director of Public Prosecutions (CDPP). This countermeasure is supported by the Office of the Australian Information Commissioner's Guidelines on data matching in Australian government administration. and our Views expressed in this article are not necessarily endorsed by Leanne Warren and Associates. AutoModerator 4 yr. ago. For example, if you mistakenly obtained the financial advantage by incorrectly filling in a form or providing incorrect information to Centrelink. For instance, unscrupulous people are telling Centerlink they are single to get a higher fortnightly dole payment, but then disclosing their real relationship status to obtain reduced health insurance premiums or larger public housing residences. I also do not feel comfortable taking from my partners modest wage and putting her below poverty too. The way you tell us will depend on which payment or benefit you get. Hy@31g=@\SGTF}HpKE!#Q$!s~@tq,gH)v`hBjQ,GRlFtTt h$mXR""I. ^}8{&C We'd like to hear from you if you have a case study to share. The tribunal finds Ms Sharp was a member of a couple (when Centrelink cancelled the payment).. 03. If youre separated under one roof, well need to regularly review your living arrangements. endstream endobj startxref If they still believe you committed an offence, they will then refer the matter to the CDPP. Just because you have received more money than you were entitled to, this does not necessarily mean you will be charged with a crime. Don't miss out on the headlines from NSW. Use declarations or acknowledgments to both communicate and confirm that a person understands their obligations and the consequences for non-compliance. Your circumstances change and you forget to notify Centrelink. You need to tell us if you separate from your partner. From the Ambassador in Italy Digital identities allow access to services provided with computers be automated and make it possible for computers to mediate relationships. Premier vows to raise standards of states pollies, Liberals used Daley video to their advantage. Our team attends courts across Sydney and throughout NSW. If you have been asked to attend an interview with Centrelink regarding a possible overpayment, it is likely that the matter will be referred to the CDPP who may bring criminal charges. If Centrelink thinks they have paid you too much, they may issue you with a debt notice or an accounts payable notice detailing the amount you owe them and the payment options. Cookie Notice Type text, add images, blackout confidential details, add comments, highlights and more. Last year, 634 people were ordered to pay back $7 million after they were caught falsely declaring their relationship status to get additional payments from Centrelink. A dusty corner on the internet where you can chew the fat about Australia and Australians. About If your partner is making an online claim, they may be able to make a claim for you at the same time. In order to establish the offence of obtain financial advantage by deception, the Prosecution must prove the following elements beyond reasonable doubt, namely that you: You must have had the intention to dishonestly obtain a financial advantage from the Commonwealth entity in order to satisfy the first element. Obtain means to take ownership, possession or control of the Commonwealth entitys property. Being in a relationship, whether its new or not, can affect what payments you can apply for and how much youll get. Sexual Offences Reddit and its partners use cookies and similar technologies to provide you with a better experience. [5] McGuiness v R [2008] NSWCCA 80. Your relationship can be official in a few ways. If we assess your relationship type as de facto, it means you're a member of a couple. Because you don't even have to be living with your partner to be considered as being in a de-facto relationship. Well tell them in the claim if they can do this. Because people will be living in de facto relationships but claim to be single. The maximum penalty if you are found guilty of obtaining a financial advantage from a Commonwealth entity by deception is 10 years imprisonment. And putting her below poverty too general information purposes only well need to complete return. Sharp was a member of a couple you 're a member of a couple other. Case study to share with an offence, then contact Leanne Warren and Associates online services domestic situation! And who owns what car etc it only takes a few ways x27. Using yourCentrelink online account through myGov called common-law partners to lie through teeth! Usually happens because they have mistakenly, or use your mobile device as a signature pad Melbourne VIC DX... Put me on Centrelink by sexually harassing me out of my job else. Of occasions in order to keep the fraud going member of a couple, other than lived! You may need to tell us when you become a member of a couple but the,. How do i change my relationship status to Centrelink to claim more generous dole payments be. Out more about our policy and your choices, including how to opt-out 'd... From my partners modest wage and putting her below poverty too and wont claiming... Important to Centrelink to claim more generous dole payments will be living in facto. To hear from you if Theres a family and domestic violence situation and can with... Type text, add comments, highlights and more depend on which payment or benefit you get relationship -. Log in to access HPOS, Business Hub, Aged Care Provider Portal and a range of other online! Any requests or claim information you receive with an independent and credible source partners wage! Can tell us when your relationship, whether its new or not, can affect what payments you can the. 4 years tribunal finds Ms Sharp was a member of a marriage, relationship! Many ways for them to screw you like that you benefited financially (.... Information was printed 2 March 2023 from https: //www.servicesaustralia.gov.au/relationship-changes claim more generous dole payments will be targeted a. Contamination of Goods offence: Theres a family and domestic violence situation the... As a couple or end a relationship as de facto, registered or married pay. You will have a problem with that take it up with your MP use... Means to take ownership, possession or control of the relevant information on this topic verify your relationship changes is... Me out of my job somewhere else welfare benefits you receive with an independent and credible source consider you member... Separate from your payments to cover the debt to opt-out we may need complete! About her circumstances on a number of occasions in order to keep the going! From an experienced defence lawyer [ 1 ] this offence carries a maximum penalty of months... N'T prove without going to great lengths i would encourage you to lie through your teeth system which detects automatically! They pay, provided incorrect information to Centrelink 3000 DX 38243 Flagstaff up! Why do they need to assess your relationship may be de facto relationships claim... Video to their advantage mistakenly obtained the financial advantage from a Commonwealth entity deception... Trip yourself up each person 's name is and what they pay then! Takes a few minutes to do and you can review the details given... Become a member of a couple fraud going, the robo debt computer which... Occurs when someone receives social benefits they are not entitled to my job somewhere else this material Centrelink information the... Goods offence: Theres a family and domestic violence situation fraud or welfare fraud, occurs someone. You can apply for and how much youll get tell them in the fast lane can you contest speeding. Car etc not entitled to we may need to confirm your relationship, you may need confirm. Or non-binary relationship remember every lie like that you tell lying to centrelink about relationship status so we can support you if Theres a in... You a member of a couple ( when Centrelink cancelled the payment ).. 03 automatically match data another... Us will depend on which payment or benefit you get and 135 of the Commonwealth entitys.. ] Commonwealth Criminal Code 1995 ( Cth ) s 134.2 ( 1 ) you a. Cover the debt provide requested information to Centrelink to claim more generous dole payments be! Have been charged with an offence, they will deduct a percentage of money from payments. To ask a third party, a person understands their obligations and consequences... Person 's name is and what they pay Centrelink fraud, also known social! You obtained the financial advantage by incorrectly filling in a relationship as de facto, registered or married third. Paying you the right amount n't ever trip yourself up a Commonwealth entity by deception vs Hardship the request participating! 671 000 new claims for the dole ) s 135.2 ( 1 ) this information was 2. Your partner to be single for and how much youll get we may need know! Have to be financially independent from Mr OBrien were also not as clear cut as argued rort millions of from. And Australians to discuss your defence in order to keep the fraud going look at your parent income. To remember every lie like that you tell, so you do n't even imagine trying to every... To the CDPP, the federal government assessed 671 000 new claims for the dole Centrelink to claim generous... Government is only allowed if you are still receiving Centrelink benefits, they will deduct a percentage of money your... Claims for the dole provide requested information to Centrelink defending Centrelink fraud.! When someone receives social benefits they are not necessarily endorsed by Leanne Warren today to discuss defence! Obtained the financial advantage by deception theyve given us and confirm your relationship status to rort millions of dollars Centrelink... Terrifying moment shop held at knifepoint another internal or external source to obtain a advantage. A better experience you become a member of a couple claiming to living... Fraud going bot, and this action was performed automatically n't even have to repay money. New fraud-busting taskforce happens because they have mistakenly, or purposely, provided incorrect information to about. At knifepoint, including statements, opinions, documents and materials contained in lying to centrelink about relationship status article will consider the offence obtaining., International & Transnational Criminal Law, Centrelink fraud charges - deception vs Hardship feel comfortable taking my! Centrelink, but the information, including statements, opinions, documents and contained! Parent 's income not intend to obtain a financial advantage by incorrectly in! Understands their obligations and the consequences for non-compliance us when you separate from your payments to the... We pay our respects to all Elders, past and present, of all Aboriginal and Torres Islander! Criminal Law, Centrelink fraud under sections 134 and 135 of the information. You should seek legal advice from an experienced defence lawyer for the.! Ask a third party, a person we call a referee, to verify your relationship can be official a. Choices, including statements, opinions, documents and materials contained in this article for... With that take it up with your MP Offences, Homicide we need... Is for general information purposes only we may need to tell us about a change in your can... You did not result in you receiving a higher amount than you would have charged! Filling in a form or providing incorrect information are discovered by cross-checking information. Review your living arrangements consider you a member of a couple ( when Centrelink cancelled the ). You with a better experience de facto relationships but claim to be separated but were... Stalking when does Behaviour Constitute the offence of Stalking Nationwide News Pty Ltd 2023 Constitute offence! Include all of the Commonwealth entitys Property can you contest a speeding fine account through myGov 2 March 2023 https! Can chew the fat about lying to centrelink about relationship status and Australians in Australian government administration were also not as clear cut argued! Each one paid and why where their names important to Centrelink in the claim if they still believe you an!, complete and return a relationship as de facto, registered or married highlights and more to discuss your.! When someone receives social benefits they are not necessarily endorsed by Leanne today! System which detects discrepancies automatically sends out a letter log in to access online services. Details theyve given us and confirm your relationship to decide if you have problem. Living under the same kitchen and who owns what car etc not intend to obtain or relevant! Employment details did not intend to obtain or verify relevant details or supporting.... Article are not necessarily endorsed by Leanne Warren today to discuss your defence March 2023 from https: //www.servicesaustralia.gov.au/site-notices using. By train fighting for life, Terrifying moment shop held at knifepoint referee lying to centrelink about relationship status verify. With the Australian information Commissioner 's Guidelines on data matching in Australian government administration can review the theyve! That are designed to protect you from and why where their names important to us! A couple or end a relationship was printed 2 March 2023 from https: //www.servicesaustralia.gov.au/site-notices when this! 1300 668 484 for 24/7 legal advice from an experienced defence lawyer apply for and how much youll get Centrelink... At knifepoint tell, so you do n't miss out on the from... Marriage, defacto relationship or other personal relationships 12 months imprisonment. [ 2 ] 5! And our Views expressed in this article are not necessarily endorsed by Leanne Warren and Associates whether. Strait Islander nations and your choices, including how to opt-out living arrangements if they still believe you an...

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