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How Can Remarriage Affect Your Estate Planning?

How remarriage affects your estate plan

Divorce is more common now than it was in the past, as is remarriage. Depending on how long a prior marriage lasted, the former couple may have engaged in certain levels of estate planning together. When that is the case, it is important to understand how remarriage can impact the estate planning from a prior marriage. If you or someone named in your estate planning documents has remarried, there are several major issues that you should be aware of as well as steps you should take to ensure your estate planning continues to be appropriate for your current situation.

Understand How Your Existing Estate Plan Will Operate If Left Unaddressed After Remarriage

First, do you understand how your current estate plan will operate at your or your former spouse’s death? Most states’ laws assume that a divorced spouse does not want their former spouse to inherit anything from them. So even if a will, a trust, or a life insurance policy name a former spouse as a beneficiary, there is a high likelihood that the law will prevent the named ex-spouse beneficiary from receiving the distribution from the deceased ex-spouse’s estate. See Table below for Maryland and District of Columbia comparison of the effect of divorce on estate planning.

But be careful! This is not true in all states. Thus, regardless of what your existing estate plan says, you must be diligent in reviewing your estate plan, as well as beneficiary designations for your life insurance policies and retirement accounts, to ensure that an ex-spouse is no longer named as a beneficiary unless the terms of your divorce settlement require it. In addition, if you still want your former spouse to benefit from your estate in any way, speak to an attorney to ensure that your objectives will be met even if your state has a statute that would prevent it. It is also wise to review your divorce decree to check whether it contains a court order to retain an ex-spouse or minor children as named beneficiaries on a life insurance policy insuring your life.

Just as important, if you want your current spouse to be the beneficiary of your estate planning or insurance policies and retirement accounts, you should update those beneficiary designations. On the other hand, if you wish to designate other family members instead of your current spouse as beneficiaries, you need to update your beneficiary designations in your estate documents and financial records accordingly.

Similarly, if you are still assuming that you will inherit or be entitled to some money and property or benefits from a former spouse, determine whether those assumptions remain true. Often, remarriage will impact your ability to qualify for certain government and pension benefits such as Veteran’s Administration benefits, Social Security benefits, or even survivor’s pension benefits from a deceased spouse’s employer. If those assumptions are no longer accurate, be sure to take that into consideration when updating your estate planning documents.



District of Columbia

Last Will and Testament

Divorce revokes all provisions of a will relating to the former spouse, unless otherwise provided for in the will or the divorce decree.

Divorce and final property settlement revokes the entire will. If the testator does not execute a new will, or republish his or her old will, he or she will die intestate.

Revocable Living Trust

Divorce revokes all provisions of a trust relating to a former spouse, unless otherwise provided for in the trust or the divorce decree.

Divorce does not revoke a provision in a trust relating to a former spouse.

Life Insurance

Divorce does not revoke a former spouse’s beneficiary designation status, unless a property settlement or divorce decree evidences a clear intent to deprive the former spouse of the interest.

Divorce does not revoke a former spouse’s beneficiary designation status.

Power of Attorney (POAs)

An agent’s authority terminates when an action is filed for the dissolution of the agent’s marriage to the principal, or for their legal separation, unless the POA otherwise provides.

Divorce does not revoke the former spouse’s authority to act under the POA.

Advance Healthcare Directives

The agent’s authority is revoked by the execution of a separation agreement or upon the filing of a petition for divorce.

An agent’s authority terminates upon divorce, unless the advance health care directive otherwise provides.


How Does Your Current Spouse Factor into Your Estate Plan?

Perhaps you and your current spouse have decided to take a “what’s mine is mine, and what’s yours is yours” approach to property. If that is the case, it is crucial to understand how your state’s laws handle property division at the death of a spouse. Even if you have completed your own estate planning with provisions designed to keep your property separate from your spouse so that it will pass directly to your children, grandchildren, or others, including charities, most (but not all) states have default laws to ensure that a surviving spouse is not completely disinherited. These laws (typically referred to as intestacy or elective share statutes or community property rights) can significantly disrupt even the most carefully drafted wills and trusts. Without a pre- or postnuptial agreement in place in which both of you agree how property should be distributed upon the death of one or both of you, your efforts to leave your property to someone other than your current spouse may be seriously frustrated.

On the other hand, assuming that you do, in fact, want to ensure that your surviving spouse receives some (or even all) of your property, it is equally important that your estate planning documents clearly communicate your intent. By making your intent clear, you can preserve a good relationship between your children from a former marriage and your new spouse. When children understand what your intentions are and why you are dividing property in a particular way, their assumptions about why their stepparent is receiving, for example, the family home, can be corrected. 

Remarriage of Beneficiaries and Fiduciaries 

Remarriage can disrupt your estate planning even when you are not the one who remarries. Sometimes, a beneficiary remarries after you have named them in your legal documents. If the new marriage is rocky because the new spouse is financially unstable, at risk for lawsuits, or so flaky that the marriage appears unlikely to last for very long, it may be time to review the provisions of your estate planning. In such a case, you may want to specify that any inheritance that passes to your beneficiary alone must be held in an ongoing asset protection trust for their benefit. Such language can prevent the inheritance you leave the beneficiary from being attached by their spouse’s creditors or even from being divided as marital property in the event of a divorce.

A related issue can arise if you have named a married couple as guardians for your minor children if something happens to you. For example, suppose you named your sister, Shelly, and her husband, Ron, as guardians for your minor children if you die unexpectedly. You have chosen them because they share your values and together would be ideal guardians for your children. Further imagine, however, that Shelly and Ron divorce, and both remarry second spouses who are nice people with shared values. If you fail to update your estate plan and revise your guardianship nominations, the court may have a very difficult time determining who should be your children’s guardian. This situation could lead to a contentious court battle over their custody, particularly if the children were also the beneficiaries of a significant amount of property from a life insurance policy and both Shelly and Ron feel that the other is interested in the guardianship only because of the money associated with your children’s care.

A recent Texas case also highlights one of the risks associated with failing to update an estate plan after the remarriage of a beneficiary.[1] In this case, a mother included a provision in her trust that provided for her son and her son’s “spouse” to receive a share of the mother’s estate. However, the son divorced and remarried after the mother had executed her trust. When the mother died and the son discovered that his “spouse” was entitled to a share of the trust assets, the son argued that his mother had intended his current spouse to receive that share of the trust. However, the court disagreed and interpreted the trust so that the son’s former spouse received that share of the trust.

Was this the mother’s intent? Had her intent been clear, there probably would not have been an expensive and contentious court battle. Had the mother recognized before her death that her trust created some ambiguity on this point, and had she made some important clarifications in her estate plan, she could have saved her family a significant amount of grief and expense.

We Can Help

We hope the above examples have underscored the point that remarriage is a significant enough life event that you should work with your estate planning attorney to carefully update your estate documents to reflect your current situation and intent. If you need help thinking through these various considerations for your own circumstances, please contact Andre O. McDonald, a knowledgeable Howard County; Montgomery County and District of Columbia estate planning, special-needs planning, veterans pension planning and Medicaid planning attorney, at (443) 741-1088; (301) 941-7809 or (202) 640-2133. Mr. McDonald has the expertise and experience to help ensure that your estate plan will work for you and your family exactly as you intend.




[1] Ochse v. Ochse, No. 04-20-00035-CV (Tex. App. Nov. 18, 2020).

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For help with estate planning, special needs planning or elder law throughout Howard, Montgomery, Prince George’s, Anne Arundel, and Baltimore County; and Baltimore City, contact McDonald Law Firm, LLC.

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