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Estate Planning During the Crisis

Estate Planning During the Crisis

The current Covid-19 Pandemic has resulted in many pausing to reflect on their estate and incapacity planning. The barrage of news headlines about the health crisis and forced time at home has understandably led individuals to more thoughtfully consider the plans they have in place or plans they would like to implement. Legal professionals throughout Canada have noticed an increased interest in estate planning in recent weeks.

General requirements for signing formal Wills, Powers of Attorney or Protective Mandates

Generally, formal Wills and Powers of Attorney in most provinces throughout Canada require an individual to sign their documents in the presence of one or two witnesses who are physically present at the same time. In Quebec, formal Wills and Protective Mandates are generally signed before a notary or in the presence of witnesses. The physical distancing measures imposed have made it more difficult to meet these requirements and complicated the execution of formal Wills, Powers of Attorney and Protective Mandate. Some provincial legislatures and many estate planning professionals have come up with innovative ways to overcome the hurdles that have arisen as a result of this Pandemic.

Signing Wills, Powers of Attorney or Protective Mandates in our current climate

On April 7th, an Emergency Order in Council was issued by the Ontario government authorizing the virtual witnessing of Wills and Powers of Attorney for Property and Personal Care during the declared state of emergency. Similarly, in Saskatchewan, virtual witnessing was authorized on March 25th with respect to Enduring Powers of Attorney, and on April 16th in relation to Wills. Both Ontario’s and Saskatchewan’s emergency measures require the involvement of a lawyer (Ontario and Saskatchewan) or paralegal (Ontario only) in the witnessing process.

The Quebec government has temporarily permitted notaries, beginning April 1st, to sign notarial acts (including Wills and Protective Mandates) remotely through electronic means.

Provinces such as British Columbia, Alberta, Manitoba, Nova Scotia and New Brunswick, have not at this time invoked legislative changes to address the issues with executing Wills and Powers of Attorneys that have arisen. In some of these provinces, the legislation governing formal Wills and Powers of Attorney already include curative provisions that may be relied upon for such documents that do not comply with all legal requirements, including those surrounding witnessing. However, a court application to obtain an order or declaration may be necessary in order to validate such Wills or Powers of Attorney.

Handwritten Wills

Wills completed entirely in the handwriting of an individual without the requirement of witnesses (Holographic Wills) may be considered by those who live in provinces in which they are recognized (e.g. Alberta, Manitoba, Ontario, Quebec, New Brunswick, Nova Scotia, Newfoundland and Saskatchewan). While Holographic Wills may be effectively executed during these difficult times of physical distancing, they may not be suitable for everyone, especially those with complex estate plans. Holographic Wills should be undertaken with the guidance and oversight of a knowledgeable legal professional.

What should individuals do?

Given the continuously changing nature of the response to the Pandemic, and the variety of approaches taken by legislatures and practitioners, anyone contemplating changes to their estate documents should consult with their trusted legal professional to determine the correct approach for them to finalize their estate documents. Although these difficult times present unique challenges for the execution of estate documents, rest assured that it is possible to move forward with estate planning without delay.

This communication is published by CI Global Asset Management (“CI GAM”). Any commentaries and information contained in this communication are provided as a general source of information and should not be considered personal investment advice. Facts and data provided by CI GAM and other sources are believed to be reliable as at the date of publication.


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