It sounds like you moved in with him for financial reasons, and now you’ve fallen in love with him, but he doesn’t want to marry you. In addition to that, you’re kind of angry that he won’t marry you and you feel like a maid and a whore, as a result. You’ve put yourself in a tough situation — but you’re not a victim. You can get out of this if you’d like to. 🙂
First, understand that there are probably financial and legal reasons he doesn’t want to marry you that have nothing to do with your social security benefits — and everything to do with his finances. So, if you don’t want to stay with him unmarried, why not get a job and support yourself? You can do that with him or without him? If you feel like a maid, hire one, so you don’t have to be one. And if you feel that you’re having sex for money, why not have sex for love? That will make you feel better about yourself.
If you don’t want to stay with him, then find roommates to live with. Or talk to your children about moving in with them in exchange for babysitting and maybe paying rent or helping around the house. Once you get creative, you can find solutions to almost any problem. But you have to be open minded and willing to change your own behavior — not just expect others to do so. 😉