5. Which of the following is correct regarding planning for non-traditional families?
   1. Federal law requires that unmarried domestic partners be covered as dependents on a partner's employer-provided health insurance policy.
   2. Unmarried couples who reside in the same household for the entire year may file a joint tax return.
   3. Trusts, pay on death bank accounts (PODs), and transfer on death investments accounts (TODs), may be used as will substitutes since they are more difficult for upset family members to challenge than a will in probate court.
   4. Retirement planning should be done for the unmarried couple together, rather than individually.