{"id":57306,"date":"2024-05-06T16:44:10","date_gmt":"2024-05-06T20:44:10","guid":{"rendered":"https:\/\/www.cleo.on.ca\/?post_type=publications-page&#038;p=57306"},"modified":"2025-12-10T15:57:52","modified_gmt":"2025-12-10T20:57:52","slug":"if-your-spouse-dies","status":"publish","type":"publications-page","link":"https:\/\/www.cleo.on.ca\/en\/publications-page\/if-your-spouse-dies","title":{"rendered":"If your spouse dies"},"content":{"rendered":"<p>If your spouse dies leaving a valid will, you can choose to get either an equalization payment or what was left to you in their will.<\/p>\n<p>If your spouse dies without leaving a valid will, you can choose to get an equalization payment or your share according to the <strong>intestacy rules<\/strong>. These rules give married spouses and children the right to inherit property when there is no valid will.<\/p>\n<p>In both situations, you must usually take legal steps within <strong>6 months<\/strong> of your spouse&#8217;s death if you want to claim the equalization payment.<\/p>\n<h3>Separated spouses<\/h3>\n<p>If you&#8217;re married but separated from your spouse when they die, you get nothing from their estate if one of the following is true:<\/p>\n<ul>\n<li>You separated on or after <strong>January 1, 2022<\/strong>, were separated for at least <strong>3 years<\/strong>, and were still separated when your spouse died.<\/li>\n<li>You separated and have a separation agreement, arbitration agreement, or court order that resolves all your family law issues on or after <strong>January 1, 2022<\/strong>.<\/li>\n<\/ul>\n<h2>Joint property<\/h2>\n<p>If your spouse dies, you usually become the sole owner of any money or property that you both owned jointly. Joint property is not affected by a will or the intestacy rules.<\/p>\n<p>You also inherit life insurance money and registered investments if those assets list you as a <strong>beneficiary<\/strong>.<\/p>\n<h2>Other benefits<\/h2>\n<p>There are some <strong>government benefits<\/strong> like CPP survivor&#8217;s pension and CPP funeral and death expenses that you may be able to get if your spouse dies.<\/p>\n<p>There may be other payments that depend on the cause of your spouse&#8217;s death. For example, if your spouse was killed while working, you can apply for workers\u2019 compensation benefits.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-57306","publications-page","type-publications-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>If your spouse dies - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cleo.on.ca\/en\/publications-page\/if-your-spouse-dies\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"If your spouse dies - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)\" \/>\n<meta property=\"og:description\" content=\"If your spouse dies leaving a valid will, you can choose to get either an equalization payment or what was left to you in their will. 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