Have you been told that you don’t inherit anything from a loved-one’s estate “because of the laws of intestacy”, but don’t know what that means?
Have you been refused fair provision from the estate because you were not related to the deceased, or not related closely enough?
We are frequently asked by disappointed relatives to explain what is meant by the laws of intestacy, and to explain what can be done if their loved-one died without leaving a Will.
A Will is a document by which a person communicates his or her intentions for what should happen to their assets after they have died. But what happens if there is no will?
If a person dies without making a Will, then a series of rules dictate how his or her assets should be passed to others. These rules are known as the laws of intestacy.
In a nutshell, the rules place the deceased’s relatives into a hierarchy, and whoever is most senior in that hierarchy generally inherits the estate.
It is perhaps easiest to view the laws of intestacy as creating rules about how high up a ladder the deceased ‘s relatives are allowed to climb, and whoever can climb the highest will generally inherit the estate.
It is possible for more than one person to stand on the same rung of the ladder, in which case they will share the estate in equal portions. For example, if a deceased’s children inherit under the laws of intestacy, they will each receive an identical pot.
The hierarchy is as follows: –
- Spouse or civil partner (provided they survive the Deceased by more than 28 days).
- The deceased’s natural children*
- The deceased’s parents
- Brothers and sisters *
- Half-brothers and half-sisters*
- Aunts and Uncles (whole blood)*
- Aunts and Uncles (half-blood)*
- The Crown / Duchy of Lancaster / Duke of Cornwall, depending on the location.
(* = if any member of these groups, who otherwise would receive provision, died before the Deceased, then his/her proportionate share will be divided equally amongst his/her own children, if he/she had any)
There are also some special rules that might apply.
For example, if the estate is worth more than £250,000, and the deceased has a spouse or civil partner and a child or children, then the first £250,000 and the deceased’s personal goods pass to the spouse or civil partner. The remaining assets are divided into 2 equal pots. The first pot still passes to the spouse or civil partner. The second pot is divided equally amongst the natural children.
If a group of people inherit under the laws of intestacy (for example the deceased’s natural children), but one or more of the group died before the deceased, then the equal share that should have passed to them will move on a generation to their natural children. If they had no children, then the pot is shared amongst the surviving siblings.
It is abundantly clear that these rules are capable of bringing about some injustice in this modern society. The laws of intestacy do not make any provision for the unmarried partner. Whilst the rules do allow adopted children to be treated as though they are natural children, step-children receive no provision whatsoever.
If you expected to receive provision from a loved one’s estate, but we’re prevented by the laws of intestacy, we may be able to help you.
The Wikipedia article about Intestacy gives more information here.