Whatever wealth or assets your ex-partner was set to inherit from you will be passed to the next beneficiary entitled to it, which should be stated in the terms of your Will. If your entire estate has been left to your ex-spouse, with no one else named, then it will be dealt with as if you had died without a valid Will in place (also referred to as dying “intestate”).
Under these circumstances, the law decides who inherits what from your estate, under the Intestacy Rules. They state that only your spouse or civil partner and other close family members may inherit your estate, depending upon its value.
The list is a hierarchy with preference given to family members who are more closely related. It does not matter whether you are separated or getting divorced from your spouse or civil partner, they are still entitled to a share of your estate.
Solicitor’s tip: These rules place relatives in order of priority. Sometimes modern family relationships, such as blended families that include step-children and partners who live together but aren’t married, won’t be recognised.
As you can imagine, this means that there is the potential for your estate to be distributed in a way that you would not have wanted. Therefore, it’s important to update your Will as soon as possible.
If you don’t have a Will and pass away before your divorce has legally ended, the distribution of your property, money, and personal possessions (also known as your estate) is also governed by the Rules of Intestacy.
This is why our experts say you should make a Will (or review an existing one) as soon as the divorce process starts, even if you are uncertain about the financial outcome. As this will offer the best protection for you, and your Will can automatically accommodate future changes in your financial circumstances.
Yes, we recommend our clients make a Will before a divorce or even during the divorce process.
Shivi Rajput, Team Leader Partner at our London law office, says:
“Until the divorce is finalised (i.e. you have a final divorce order which formally dissolves your marriage), your spouse may still inherit under the intestacy rules if you die without having a valid Will in place.”
There are a number of benefits to updating your current Will or creating a new one, when you divorce:
Solicitor’s tip: Making a new Will does not automatically revoke your prior will. To do this, you will need to follow the legal requirements for revocation, which may include executing a written document that specifically revokes the Will.
We recommend our clients discuss this with a specialist Wills and Probate solicitor to ensure that the new Will is legally sound after a divorce.
The terms of your divorce financial settlement will determine whether your ex-partner has any claims on any inheritance you received from another family member.
Under UK law, inheritance is generally viewed as a non-matrimonial asset. This means that when deciding how your assets will be split as part of your divorce, it typically stays with the person who inherited it. However, this protection isn’t absolute. During negotiations, your ex-partner may be entitled to a share of your inheritance if:
If you want to protect your current and future inheritance from divorce, make sure to check out our latest guide.
Technically, under the Inheritance Act, a clean break order can be used to protect your estate from any future claims from your ex. However, it’s important to note that they won’t be suitable for every situation. For example, this wouldn’t be applicable to circumstances that involve young children, as a clean break order does not legally end your financial responsibility toward your children.
When you get a divorce, the joint mortgage is not automatically severed. With this in mind, if one person were to pass away with both parties still on the mortgage as joint tenants, the surviving party would automatically inherit the other’s share – even if your Will states otherwise.
If you want to avoid this, we recommend severing the joint tenancy and converting it to a tenancy in common. This means that each party will hold their own share of the property, which can then be left to someone of your choosing in a Will.
Your Will remains valid, and your estate will be dealt with as per the current terms. This means that even if you and your spouse are separated, but still legally married, your ex will still benefit from your Will.
This is still true in the time it takes your divorce to complete – no matter how long this takes.
If you decide to get married again, any existing Will will be revoked. However, you can change this if you explicitly state your upcoming nuptials in your Will. Also known as a Will ‘in contemplation of marriage’, as long as you have named the new person you will be marrying, your Will will not be revoked upon marriage.
If you pass away without updating your current Will or creating a new one, your estate will again be dealt with as if you had passed away ‘intestate’. This means that everything in your estate will be attributed as per the Intestacy Rules.
As part of your new Will, you do not need to continue to provide spousal maintenance for your ex-partner. Although, they could claim part of your inheritance.
Under the Inheritance Act, if your ex has been removed, left out, or believe they have not been left enough money in your Will, they could claim financial provision from the estate if they are able to successfully prove they were financially dependent on you.
The granting of this is dependent on the exact terms used as part of your maintenance order, as well as how your Will is structured.
It is possible, although inadvisable, to write a Will without the help of a legal professional, as a Will does not have to be prepared by a solicitor for it to be valid.
However, low-cost DIY Wills are often:
This could mean that when you pass away, your final wishes are disregarded, or the beneficiaries could interpret the Will differently and often in a way favourable to themselves. This could lead to your loved ones facing an expensive court battle over any disputes due to discrepancies in the wording.
In a worst-case scenario, the court will be asked to decide what the Will means. If a clause in a Will is too vague and uncertain, the court can rule that part of the Will is invalid and then the intestacy rules would dictate how that part of the estate passes.
Therefore, it is crucial to prepare a Will properly with a solicitor to ensure that your loved ones do not become embroiled in costly and lengthy legal proceedings after you die.
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