When Don't You Need to Probate a Will?

By Regan Rondinelli-Haberek

When an individual dies and leaves a will detailing how his property should be distributed, the will must usually go through a probate process. However, the existence of a will does not mean that probate is always necessary. An individual can plan his estate so all of his assets pass outside of a will, making probate unnecessary. Many states also have laws that allow estates of a certain size to avoid the probate process.

Probate Estates

Probate is the process by which a court authenticates a will and grants the deceased's personal representative, or executor, the authority to distribute the estate. When an individual dies, leaving property solely in his name and with no transfer-on-death designation, it will likely be necessary to probate his will. For example, if the testator dies leaving a home of which he is the sole owner and a bank account in his name only, with no transfer-on-death designation, probate will be necessary to pass these assets to his heirs.

Small Estate Proceedings

Most states have small estate laws, allowing a simpler, less time consuming process for estates that do not exceed a certain value. In New York State, estates comprised of only personal property, not exceeding $30,000, can be settled through a small estate proceeding. This proceeding cannot be used to pass real property in New York. In California, a small estate proceeding can be used if real and personal property combined do not exceed $150,000. California also allows an expedited process for passing real property that does not exceed $20,000 in value. Check with your local probate court for small estate limits in your state. Some states provide an even more streamlined procedure. For instance, in New York and California, heirs can use a simple affidavit to collect assets that would otherwise be subject to a court procedure. The affidavit is presented to the institution holding the asset, such as a bank. State laws limit the value of these assets and designates who should sign the affidavit.

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Joint Ownership and Beneficiary Designations

Joint ownership of property can, in some cases, avoid probate. Most people die leaving at least one bank account. If it is owned jointly with another individual, the account will automatically pass to the survivor upon the death of the joint owner. Bank accounts and other financial accounts, such as retirement accounts and mutual funds, can also pass through transfer-on-death designations. This means the owner of the account can designate to whom the account should pass upon his death. It is important to note that transfer-on-death designations override a bequest in a will. If an individual leaves the proceeds of a financial account equally to his three children in his will, but names only one child on the transfer-on-death designation, the entire account will go to the named beneficiary.

Real Property and Rights of Survivorship

Depending on how it is titled, real property may also pass outside of probate. Commonly, married couples own their home as joint tenants with the right of survivorship, sometimes referred to as owning property as tenants by the entirety. This means that when the first spouse passes away, the home will automatically pass to the surviving spouse. Unmarried individuals can also own real property jointly, with a right of survivorship. Language to this effect must specifically appear in the deed noting the owners hold the property as joint tenants with the right of survivorship."

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What Happens to Joint Property When Someone Dies Without a Will in Pennsylvania?


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Does a Joint Tenancy Bypass Probate?

A joint tenancy is a form of property ownership in which two or more people own the assets together, including the right of survivorship. When a joint tenant dies, the jointly held asset passes to his surviving joint tenant, bypassing probate court. Many types of assets may be held as joint tenancies, such as real estate assets, bank accounts, and stocks and bonds.

How to Add a Beneficiary to a Mortgage Deed

You can allow your property to pass under the terms of your will, but you can also add your beneficiary’s name to a deed so that the property transfers directly to that person upon your death. Simply adding a beneficiary’s name to an existing mortgage deed may not be the best solution since it won’t help you avoid a potentially complicated probate process. However, you can avoid probate by adding the proper language to accompany your beneficiary’s name or, if your state allows it, executing a separate beneficiary deed, also called a transfer-on-death deed.

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