{"id":3319,"date":"2023-07-11T08:46:54","date_gmt":"2023-07-11T08:46:54","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&p=3319"},"modified":"2025-04-29T13:29:44","modified_gmt":"2025-04-29T13:29:44","slug":"die-versteckten-gefahren-des-zusammenlebens-was-passiert-wenn-man-ohne-testament-stirbt","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/de\/einblicke\/die-versteckten-gefahren-des-zusammenlebens-was-passiert-wenn-man-ohne-testament-stirbt\/","title":{"rendered":"Die versteckten Gefahren des Zusammenlebens: Was passiert, wenn Sie ohne Testament sterben?"},"content":{"rendered":"

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The Hidden Dangers of Cohabitation<\/a>: What Happens if You Die Without a Will<\/a>?<\/em><\/p>\n\n\n\n

Rechte von Lebenspartnern: Was Sie wissen m\u00fcssen<\/strong> <\/p>\n\n\n\n

Last year the UK government<\/a> rejected recommendations to reform the current position on cohabitation law and decided not to extend the inheritance tax treatment of spouse and civil<\/a> partners<\/a> to cohabiting partners. Considering that cohabiting couples are currently the fastest-growing family type in the UK, the lack of reform leaves many families with expensive probate<\/a> claims<\/a> and huge inheritance tax bills in the future. In this article, we’ll explore the current state of cohabitation law and its implications for cohabiting couples<\/em>. <\/p>\n\n\n\n

Erbfolge bei gesetzlicher Erbfolge und Erbschaft: Wer bekommt was?\u00a0<\/strong><\/p>\n\n\n\n

If you’re cohabiting with someone and you pass away without making a will<\/a>, your cohabiting partner may be left with nothing unless you jointly hold assets that pass by survivorship rules. In such cases, all other assets would be distributed according to the rules of intestacy. It’s important to note that only spouses, civil partners, and blood or adopted relatives can benefit under intestacy. <\/p>\n\n\n\n

Um festzustellen, wer Ihren Nachlass im Falle einer gesetzlichen Erbfolge erben w\u00fcrde, k\u00f6nnen Sie\u00a0Hier finden Sie unser Ablaufdiagramm zur gesetzlichen Erbfolge<\/a><\/em><\/strong>. So k\u00f6nnen Sie besser nachvollziehen, wie das Verm\u00f6gen aufgeteilt wird und wer Anspruch auf welche Anteile hat.\u00a0<\/p>\n\n\n\n

Varying Inheritance and Bringing<\/a> Claims<\/strong> <\/p>\n\n\n\n

In some cases, adult beneficiaries may be willing to vary their inheritance to include your cohabiting partner. However, this is not guaranteed, as it requires the agreement<\/a> of the beneficiaries. Their decision may depend on their own financial circumstances and their relationship with your cohabitee. <\/p>\n\n\n\n

Es ist wichtig zu beachten, dass Kinder unter 18 Jahren auf keinen Teil ihres Erbes verzichten k\u00f6nnen. Selbst wenn Ihr Partner als hinterbliebener Elternteil den Nachlass in ihrem Namen verwaltet, k\u00f6nnen sie keinen direkten Vorteil daraus ziehen. In solchen F\u00e4llen bleibt Ihrem Lebenspartner m\u00f6glicherweise keine andere Wahl, als gem\u00e4\u00df dem Erbschaftsgesetz von 1975 (\u201cInheritance Act\u201d) einen Anspruch auf Ihren Nachlass geltend zu machen. Dies ist jedoch ein kostspieliger und zeitaufw\u00e4ndiger Prozess, der zudem die Beziehung zu Ihren Angeh\u00f6rigen belasten k\u00f6nnte. <\/p>\n\n\n\n

Webster gegen Webster: Ein wegweisender Fall\u00a0<\/strong><\/p>\n\n\n\n

Unter Webster gegen Webster<\/em>, the court held that the intestacy had not made reasonable provision for the long-standing partner of the deceased<\/a>. Under intestacy, the estate was to be distributed between the deceased\u2019s five children. The partner had been cohabiting with the deceased for 27 years and the court ordered the family home to be transferred to her outright. It did not however consider that she had acquired an actual beneficial<\/a> interest in the family home on the basis of the financial contributions she had made over 20 years before the death which she could not substantiate. <\/p>\n\n\n\n

The court held that it was important to establish a clean break<\/a> between the surviving cohabitee and the deceased\u2019s children and for the family property to be transferred to the partner outright, not least because of the woman’s poor relationship with the three children from the deceased’s earlier marriage. It was further ordered that the outstanding mortgage over the property was to be redeemed from estate funds as an estate liability. Despite the award, it was estimated that the deceased\u2019s death had left the cohabitee \u00a315,000 a year worse off compared to the standard<\/a> of living she had enjoyed prior to his death. <\/p>\n\n\n\n

Anspr\u00fcche nach dem Erbgesetz: Anspruchsberechtigung und gerichtliche Entscheidung\u00a0<\/strong><\/p>\n\n\n\n

Um einen Anspruch nach dem Erbgesetz geltend zu machen, muss ein Lebenspartner in den letzten zwei Jahren vor dem Tod des Verstorbenen ununterbrochen mit diesem in einem gemeinsamen Haushalt gelebt haben. Jeder Fall wird individuell gepr\u00fcft, und \u00fcber die Zukunft Ihres Partners entscheidet letztendlich das Gericht. <\/p>\n\n\n\n

Den Lebenspartner absichern: Ein Testament aufsetzen\u00a0<\/strong><\/p>\n\n\n\n

The best way to provide for your cohabitee’s future is by making a will. However, you should carefully consider the potential inheritance tax (IHT) consequences<\/a> if your entire estate is left to your cohabitee. <\/p>\n\n\n\n

\u00dcberlegungen zur Erbschaftssteuer\u00a0<\/strong><\/p>\n\n\n\n

Nach den geltenden britischen Erbschaftssteuerbestimmungen steht jeder Person ein Freibetrag in H\u00f6he von 325.000 \u00a3 zu, der auch als \u2018Nil Rate Band\u2019 (NRB) bezeichnet wird. Der Wert Ihres verf\u00fcgbaren NRB zum Zeitpunkt Ihres Todes kann sich \u00e4ndern, wenn Sie in den sieben Jahren vor Ihrem Tod Schenkungen get\u00e4tigt haben, da diese Schenkungen steuerlich als Teil Ihres Nachlasses betrachtet werden. <\/p>\n\n\n\n

You may also qualify for an zus\u00e4tzlich<\/a> inheritance tax allowance called the ‘Residence Nil Rate Band’ of up to \u00a3175,000 if you pass on your home to direct descendants (e.g., children or grandchildren). However, this allowance is lost if the entire estate is left to a cohabitee, and children only inherit after the cohabitee’s death. Any value of your estate above your available inheritance tax allowances would be subject to a 40% IHT charge. <\/p>\n\n\n\n

Im Gegensatz dazu sind Verm\u00f6genswerte, die zu Lebzeiten oder nach dem Tod auf den Ehepartner \u00fcbergehen, von der Erbschaftssteuer befreit. Zudem k\u00f6nnen nicht ausgesch\u00f6pfte Freibetr\u00e4ge aus dem Erbschaftssteuerfall des ersten Ehepartners auf den Erbschaftssteuerfall des \u00fcberlebenden Ehepartners \u00fcbertragen werden. <\/p>\n\n\n\n

Protecting Your Cohabitee: Our Services<\/a>\u00a0<\/strong><\/p>\n\n\n\n

Until cohabitation laws are reformed, cohabiting couples face the risk of lengthy litigation<\/a> claims if a will is not in place. If you are concerned and wish to discuss what you should do to protect your cohabitee, our Privatkunde<\/a> department specialises in preparing wills<\/a>, advising and implementing inheritance tax planning<\/a> as well as the following: 
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Gr\u00fcndung und Aufl\u00f6sung von Treuhandverm\u00f6gen <\/p>\n\n\n\n

Nachlassverwaltung <\/p>\n\n\n\n

Lasting<\/a> powers of attorney <\/p>\n\n\n\n

Antr\u00e4ge beim Vormundschaftsgericht <\/p>\n\n\n\n

Umstrittene Nachlassabwicklung<\/a> Themen\u00a0<\/p>\n\n\n\n

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To learn<\/a> mehr about<\/a> our services, please visit our\u00a0\u2018Privatverm\u00f6gen\u2019<\/a>\u00a0section, or contact<\/a> us.\u00a0<\/p>\n\n\n\n

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Kontaktieren Sie uns:\u00a0<\/strong><\/p>\n\n\n\n

\u017dyginta Urbonait\u0117:\u00a0Private<\/a> Client Associate Solicitor \u2502\u00a0z.urbonaite@rfblegal.co.uk<\/a>\u00a0\u2502\u00a0020 8138 8120<\/a>\u00a0<\/em><\/strong><\/p>\n\n\n\n

Chris O\u2019Callaghan: Partner \u2502\u00a0c.ocallaghan@rfblegal.co.uk<\/a>\u00a0\u2502\u00a0020 7613 7136<\/a><\/em><\/strong><\/p>\n\n\n\n

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Zus\u00e4tzliche Informationen<\/strong><\/h3>\n\n\n\n
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  • Autorin der Nachricht: \u017dyginta Urbonait\u0117<\/li>\n<\/ul>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[],"tags":[],"class_list":["post-3319","insight","type-insight","status-publish","format-standard","hentry"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t