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Why you should appoint a guardian in your will

If you die leaving children under the age of 18, who will look after them and will that person be someone you would have chosen?  You can make that decision during your lifetime by making a will that specifies who should look after your children in the unfortunate event of your death.  This person is called a guardian.

Click on the links below to jump to each section to find out more.

 

What is a guardian?

A guardian is a person who will have the legal responsibility to look after your children if you die before they are 18 years old and their other parent (who has parental responsibility) is also dead. Most people choose one person as a guardian, but you can choose two, for example, if they are a couple. You can also choose a separate guardian for each child if you want to.

Guardians gain parental responsibility and so will have all of the same responsibilities as you have as a parent with parental responsibility, which includes making decisions about their health, schooling and where, and with whom, they will live.

Can a child’s other parent become a guardian?

Mothers gain parental responsibility automatically, but fathers only gain parental responsibility if both parents were married at the time the child was born or if they are named on the birth certificate (for children born after 1 December 2003). If one parent dies and the other has parental responsibility, that parent will take over responsibility for any children and a guardian would not need to be appointed. If the other parent does not have parental responsibility, it may be possible to name them as the child’s guardian or they can obtain parental responsibility by entering into a parental responsibility agreement or obtaining a court order. It is important to note that if a parent has parental responsibility, by appointing a guardian, the other parent will not circumvent that and, if there was to be a dispute over who would care for the child, a court application would most likely be necessary.

Only a parent with parental responsibility can appoint a guardian. If the father does not have parental responsibility, and the mother dies, having appointed a guardian, the guardian would take responsibility for the child – even if he/she was living with their father at the time.  The father could make an application to court to continue care of the children and, if there was a dispute about who would care for the children then this may have to be resolved by the court.

Why should I appoint a guardian for my children?

If you want to be sure that someone you trust will look after your children if you die, you need to decide who that should be by appointing a guardian in your will.

If you don’t appoint a guardian, the courts will decide who will look after your children in the event of your death.  It is not guaranteed that this will be the person/people you would have chosen, so it is far better to make that decision yourself.

Your children could also be taken into care temporarily if you die and you have not appointed a guardian.

Who should I appoint as guardian for my children?

This is something you need to consider carefully.  Many people choose their own parents – the children’s grandparents – but this might not be appropriate if they are old, for example.  The children’s aunties or uncles are also a common choice, but close friends could be a better one.  A guardian has to be an individual – it cannot be a company – and the individual must be at least 18 years old.  Try to consider who would best meet the needs of your children.  You could think about:

  • Do your children know the people you have appointed as guardians?
  • Where your children will live – will they have to change location, and will they still be able to see their other family and friends?
  • Will the proposed guardian will be able to give your children the love they need?
  • Will your children be able to stay at the same school or would they have to move schools?
  • Do the guardians have children of their own? If not, would they be happy taking on a different lifestyle that includes children?
  • Would your children be able to continue existing friendships and hobbies?
  • Do the proposed guardians have similar beliefs, morals and style of living as you?
  • Do they have any medical conditions that might prevent them from acting as a guardian?
  • Does the guardian have the financial ability to raise your children if your estate cannot cover it?

It is important to note that your chosen guardians do not have to accept the appointment, so, even though the likelihood of them ever having to take on the responsibility is slim, it is vital that you discuss this with them, and they accept the responsibility, before naming them in your will.

Note that anyone who does not already have parental responsibility for your child can be appointed as a guardian.

It is generally a good idea to have separate people named in your will as executors and guardians.  Executors often become trustees (if you haven’t named separate ones) and will need to manage funds on behalf of your children until they are old enough to receive any trust funds.

How do I appoint a guardian?

You can name your chosen guardian(s) in your will.  The appointment must be:

  • made in writing
  • signed by the person making the appointment
  • dated

If you have already made a will before you have children and all other aspects of your will remain the same, you can appoint guardians using a codicil.

What happens if I haven’t appointed a guardian?

If your children are staying with a grandparent, other family or friends at the time of your death, it is likely that they would stay there on a temporary basis.  An interim court order could be sought to formalise this.  If this is not a suitable arrangement, the court could grant the local authority temporary parental responsibility.  The court would then make an assessment as to what is best for the children and would formalise arrangements in either a care or supervision order.

When does the guardian appointment take effect?

Usually, a guardianship becomes effective upon the death of the second parent.  If a parent with parental responsibility survives, the guardianship will not take effect.  It ends automatically when the child reaches 18 years old.

If both parents have parental responsibility, but both choose different guardians for their children (for example if they are divorced), both guardians will take up the responsibility when the second parent dies and they will have to agree between themselves how the children will be brought up.

How will the guardian pay for my children’s upbringing?

A guardian has no responsibility to bring up a child using his or her own resources.  There are several routes you could consider to ensure that the guardian can afford to bring up your child in a way that you would choose.  For example, you could:

  • leave a gift of money in your will to the guardian as a thank you for looking after your children – this is known as a pecuniary gift
  • allow the trustees of your will to pay for things such as school fees, clothing etc., or loan money to the guardians to buy a property big enough for them to live in with the children, for example. The loan can be dealt with by way of a charge on the property, which must be repaid to the children in the future.
  • leave a letter of wishes that gives guidance on how trustees should use money in your estate to benefit the upbringing of your children (note that this list is not legally binding)

It may be possible for the guardian to apply for the guardian’s allowance, which is a government benefit, as well as child benefit.

What about stepchildren?

If you have been granted parental responsibility for your stepchildren, you can appoint guardians for them in your will.  However, if you die and the children’s other parent is still alive and they have parental responsibility, they will take over responsibility for the children, even if you have named a guardian.

If you do not have parental responsibility for your stepchildren and your partner (the children’s parent) dies, the children’s other parent (if they have parental responsibility) will become responsible for the children – even if you are named by your partner in their will as a guardian their children.

Will my divorce affect the appointed guardian?

Not necessarily.  If you divorce, your will is still valid, so if you have appointed a guardian within in, that appointment still stands.  However, if you remarry, your will is revoked so the guardianship you had chosen will no longer be applicable.  You will have to make a new will naming the guardian again.

Can I change the guardians I have appointed?

Yes, it is not unusual to change your mind about who you want to bring up your child if you die.  You may have had different ideas when your child was born compared with when they are ten years old. Speak to our private client advisors and they will advise whether you need to change your will or whether you can amend the names of the guardians by using a codicil.

What if the guardians I have chosen no longer want to act?

If your chosen guardians let you know before you die that they no longer wish to act as guardians, you will need to change your will.  This can usually be done by adding a codicil to your will.  If they decide after you have died that they don’t wish to be guardians, they will need to speak to the executors of the will who need to appoint alternative or substitute guardians (if such guardians have been named).  If no alternative guardians have been named, the executors will need to apply to the court for guardians to be appointed.  This will mean that the child will need to go into care until a suitable guardian has been appointed.

If you have any questions relating to appointing guardians in your will, contact our private client experts now.  We will be able to guide you through the process and help you gain the peace of mind that your children will be looked after by people chosen by you if you die.

You have landed on this page as Watson Esam has merged with Graysons

You can read more about the merger here. Graysons will be pleased to help with your enquiry. Please visit our web pages or contact us directly on 0114 358 9009

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