{"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":"los-peligros-ocultos-de-la-cohabitacion-que-ocurre-si-se-muere-sin-testamento","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/es\/perspectivas\/los-peligros-ocultos-de-la-cohabitacion-que-ocurre-si-se-muere-sin-testamento\/","title":{"rendered":"Los peligros ocultos de la cohabitaci\u00f3n: \u00bfQu\u00e9 ocurre si muere sin testamento?"},"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

Derechos de las parejas de hecho: lo que debes saber<\/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> socios<\/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

Sucesi\u00f3n leg\u00edtima y herencia: \u00bfqui\u00e9n se queda con qu\u00e9?\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

Para determinar qui\u00e9n heredar\u00eda tu patrimonio en caso de sucesi\u00f3n leg\u00edtima, puedes\u00a0Accede aqu\u00ed a nuestro diagrama de flujo sobre la sucesi\u00f3n intestada<\/a><\/em><\/strong>. Te ayudar\u00e1 a comprender c\u00f3mo se reparten los bienes y qui\u00e9n tendr\u00eda derecho a qu\u00e9.\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 importante se\u00f1alar que los menores de 18 a\u00f1os no pueden renunciar a ninguna parte de su herencia. Aunque tu pareja administre la sucesi\u00f3n en su nombre en calidad de progenitor superviviente, no podr\u00e1 obtener ning\u00fan beneficio directo. En tales situaciones, es posible que su pareja de hecho no tenga m\u00e1s remedio que presentar una reclamaci\u00f3n contra su patrimonio en virtud de la Ley de Sucesiones (Disposiciones para la Familia y las Personas a Cargo) de 1975 (\u201cla Ley de Sucesiones\u201d). Sin embargo, se trata de un proceso costoso y que requiere mucho tiempo, y puede tensar su relaci\u00f3n con tus familiares. <\/p>\n\n\n\n

Webster contra Webster: un caso hist\u00f3rico\u00a0<\/strong><\/p>\n\n\n\n

En Webster contra 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

Reclamaciones en virtud de la Ley de Sucesiones: requisitos y resoluci\u00f3n judicial\u00a0<\/strong><\/p>\n\n\n\n

Para presentar una reclamaci\u00f3n en virtud de la Ley de Sucesiones, una pareja de hecho debe haber convivido en el mismo domicilio que su pareja durante un per\u00edodo ininterrumpido de dos a\u00f1os previo al fallecimiento del causante. Cada caso se analiza en funci\u00f3n de sus circunstancias concretas y, en \u00faltima instancia, ser\u00e1 el tribunal quien decida sobre el futuro de su pareja. <\/p>\n\n\n\n

C\u00f3mo proteger a tu pareja de hecho: c\u00f3mo redactar un testamento\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

Aspectos a tener en cuenta en materia de impuesto de sucesiones\u00a0<\/strong><\/p>\n\n\n\n

Seg\u00fan la normativa vigente del Reino Unido en materia de impuesto sobre sucesiones, cada persona dispone de una exenci\u00f3n fiscal de 325 000 \u00a3, tambi\u00e9n conocida como \u2018banda de tipo cero\u2019 (NRB). El valor de la NRB de la que disponga en el momento de su fallecimiento puede verse afectado si ha realizado donaciones en los siete a\u00f1os anteriores a su fallecimiento, ya que dichas donaciones se considerar\u00edan parte de su patrimonio a efectos fiscales. <\/p>\n\n\n\n

You may also qualify for an adicional<\/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

Por el contrario, los bienes que se transmiten al c\u00f3nyuge, ya sea en vida o tras el fallecimiento, est\u00e1n exentos del impuesto sobre sucesiones. Adem\u00e1s, cualquier exenci\u00f3n del impuesto sobre sucesiones no utilizada tras el fallecimiento del primer c\u00f3nyuge puede transferirse para su uso tras el fallecimiento del superviviente. <\/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 Particulares<\/a> department specialises in preparing wills<\/a>, advising and implementing inheritance tax planning<\/a> as well as the following: 
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Constituci\u00f3n y extinci\u00f3n de fideicomisos <\/p>\n\n\n\n

Administraci\u00f3n de patrimonios <\/p>\n\n\n\n

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

Solicitudes presentadas ante el Tribunal de Protecci\u00f3n <\/p>\n\n\n\n

Sucesi\u00f3n contenciosa<\/a> cuestiones\u00a0<\/p>\n\n\n\n

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To learn<\/a> m\u00e1s about<\/a> our services, please visit our\u00a0\u2018Patrimonio privado\u2019<\/a>\u00a0section, or contact<\/a> us.\u00a0<\/p>\n\n\n\n

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Cont\u00e1ctanos:\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: Socio \u2502\u00a0c.ocallaghan@rfblegal.co.uk<\/a>\u00a0\u2502\u00a0020 7613 7136<\/a><\/em><\/strong><\/p>\n\n\n\n

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Informaci\u00f3n adicional<\/strong><\/h3>\n\n\n\n
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  • Autora de la noticia: \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