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Protecting the Young: Handling Minor Beneficiaries in Probate

Written by andrew@brokerpedia.com.au | Aug 2, 2024 1:13:18 AM

Probate Problem #36: How Are Minor Beneficiaries Handled in Probate?

When an estate includes minor beneficiaries, the probate process becomes more complex. Special considerations and legal safeguards are necessary to ensure that the inheritance is managed responsibly and that the minor’s best interests are protected until they reach adulthood.

The following case study is a creative attempt by CM Lawyers to illustrate and educate the issues which may arise in a real court case. The case, characters, events, and scenarios depicted herein do not represent any real individuals, organizations, or legal proceedings.

Real NSW Court Case:

Case: *Johnson Estate v Smith* [2023] NSWSC 456

What Happened:

In 2022, the unexpected death of Emily Johnson, a single mother, left her two young children as the primary beneficiaries of her estate. With no other close family members, the children were suddenly thrust into a legal and financial situation far beyond their years. The question arose: how would the probate process ensure that the minors’ inheritance was protected?

Participant Behavior:

Emily had appointed her sister, Sarah, as the guardian of her children in her will. However, the probate process required more than just naming a guardian; it also involved ensuring that the children’s inheritance was managed responsibly until they reached adulthood. Sarah was prepared to take on this responsibility, but she soon realized that handling a minor’s inheritance was a complex legal matter.

Under New South Wales law, minor beneficiaries cannot directly receive an inheritance through probate. Instead, their share of the estate is typically held in trust until they reach the age of 18. The court may appoint a trustee, often the guardian or a legal professional, to manage the funds on behalf of the minors.

In Emily’s case, the probate court required Sarah to submit an application to be appointed as the trustee for her nieces. This involved demonstrating her ability to manage the inheritance responsibly and in the best interests of the children. The court also reviewed the terms of the will to ensure that the minors’ needs would be met during their upbringing.

Financial Consequences:

Emily’s estate included a life insurance policy, a family home, and investment accounts, valued at a total of $1.2 million. The probate court’s decision to place these assets in trust meant that Sarah had to manage the children’s inheritance with strict oversight. Any expenses for the children’s care, education, and general welfare had to be approved by the court, ensuring that the funds were used solely for their benefit.

The management of a minor’s trust can be a long-term commitment, requiring careful financial planning and regular reporting to the court. In some cases, trustees may receive compensation for their duties, but they are also held to a high standard of fiduciary responsibility.

Conclusion:

In the case of *Johnson Estate v Smith* [2023] NSWSC 456, the court granted Sarah the role of trustee, with the stipulation that she provide annual reports on the trust’s management. The court’s decision highlighted the importance of safeguarding a minor’s inheritance and ensuring that it is used in a manner that aligns with the deceased’s wishes and the children’s best interests.

The court also provided guidelines for how the trust funds could be accessed for significant expenses, such as education and healthcare, while preserving the bulk of the inheritance for when the children reach adulthood.

Lessons Learned:

This case underscores the importance of proper estate planning when minor beneficiaries are involved. Naming a guardian is just the first step; it’s equally crucial to consider how the minors’ inheritance will be managed and protected. Trusts offer a valuable tool for ensuring that children’s financial futures are secure, but they require careful planning and ongoing management. Executors, guardians, and trustees should seek legal advice to navigate the complexities of probate involving minors.

References:

  • *Johnson Estate v Smith* [2023] NSWSC 456.
  • NSW Supreme Court Probate Registry.
  • Legal resources on managing minor beneficiaries in New South Wales probate.

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