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Rights of spouses and dependants

Region: Ontario Answer # 142

Although the main purpose of a Will is to allow people to decide who gets their property when they die, the law establishes restrictions to protect the rights of spouses and dependants, even where they are not included in the Will, or are to receive less than the law requires.

Rights of spouses

The Family Law Act protects the rights of spouses. When a person dies, a surviving spouse has a choice. They can choose to inherit whatever you left them in your Will, or they can choose to receive what is called an equalization payment.

An equalization payment means that a calculation is made of what each spouse owns and what their debts are as of the date the one spouse died. The spouse with the greater property value total then pays the other spouse half of the difference. For example, if the total for the husband was $100,000 and the total for the wife was $60,000, then the difference between them is $40,000. If the husband died, the wife would be entitled to half of that difference, which is $20,000, even if she was not given anything in the Will. By choosing an equalization payment instead of an inheritance under the provisions of the Will, the Will is not cancelled, but gifts to other people will be reduced as a result of the payment.

Special rules apply to several different types of property when calculating the property of each spouse, and the calculation is usually complicated. Equalization payments are normally calculated by a lawyer.

Rights of dependants

The second type of person who may have rights to part of an estate, even if they are not included in a Will, is a “dependant.” The Succession Law Reform Act and the Family Law Act list certain people who you might have to provide for if they are determined to be “dependants.” These include your spouse, former spouse, common-law spouse, parent, grandparent, child, grandchild, brother and sister.

Who is a dependant?

To be a dependant, a person has to show that they were receiving financial support from you, or that they had a legal right to receive financial support from you before you died. A dependant may have to prove this in court. If the court decides that the person is a dependant and that person can show a need for financial support, then the court may order a certain amount of money to be paid to them out of the estate.

For more information about Wills, visit the Ontario Ministry of the Attorney General website. Wills are extremely important documents and relatively inexpensive to have prepared professionally. If you want to make sure your Will is legal and clearly expresses your wishes, you should consult a lawyer.

Get help from a life insurance advisor

Understanding life insurance and what is best for you can be overwhelming. It is important to get professional advice for your unique situation, and it is more affordable than you think. Life insurance can protect your family, your home and your business.  For a free consultation and quote, contact an Empire Life Insurance  advisor.


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