Illinois Intestacy Laws in 2026: Who Really Gets Your Stuff
Most people have no idea this happens. Seriously. But if you die without a will in Illinois, the state has already decided who gets your stuff. Not your partner if they’re unmarried. Not your best friend. Not the charity you love. Your money and property follow a very specific path. It’s called “intestate succession,” and honestly, it surprises a lot of people.
The good news? You can change this. But first, let’s break down exactly what Illinois law says about who inherits when there’s no will.
What Does “Intestate” Even Mean?
When someone dies without a valid will, lawyers call it “dying intestate.” It’s not a punishment or anything scary. It just means the state’s default rules kick in. Think of it like this: if you never told the court what you want to happen to your stuff, the court says, “Okay, we have rules for this situation.”
Illinois has very specific rules. They’re designed to get your property to people who are related to you. Your closest relatives inherit first. If you have no relatives at all (which almost never happens), then the state gets your stuff. But let’s be real, that almost never happens.
Basic Illinois Intestacy Rules: Who Inherits What
When You Have a Spouse and Kids
Here’s where people get surprised. Honest. Many assume everything goes to the spouse. It doesn’t work that way in Illinois. Not even close.
If you’re married with children, your stuff gets split. The spouse gets 50%. The kids get the other 50% to split among themselves. So if you have a spouse and two kids, your spouse gets half, and each kid gets 25%.
This can get messy with young children. The kids can’t access their money until they turn 18. Someone has to manage it for them. The court gets involved. More costs. More headaches.
When You Have a Spouse But No Kids
This one’s better. If you’re married with no children, your spouse gets everything. All of it. No split. Pretty straightforward, right?
When You Have Kids But No Spouse
Your kids inherit everything. They split it equally. If you have three kids, each gets one-third. If one of your kids passed away before you did, their children (your grandchildren) get their parent’s share.
Sound complicated? It actually is. That’s the “per stirpes” rule. Let me break it down.
Understanding Per Stirpes: When It Gets Tricky
Okay, pause. Read this carefully. This rule trips people up all the time.
Let’s say you have three children: Alice, Bob, and Cara. You die. Alice is still alive. Bob died before you, but he had two kids. Cara also died, but she had three kids.
Here’s how it splits: Alice gets one-third of everything. Bob’s two kids split his one-third (so each gets one-sixth). Cara’s three kids split her one-third (so each gets one-ninth).
Notice something? All your grandchildren aren’t treated equally. Cara’s kids get smaller shares because there are more of them. It’s called “per stirpes” and honestly, this is the part most people miss. It can create unequal treatment between cousins.
You’re not alone if this confuses you. It confuses a lot of people. The point is this: if a person who would have inherited dies before you, their kids inherit their share instead.
When You Have No Spouse or Kids
Now, here’s where things get serious. If you have no spouse and no children, the law keeps going down the line.
Your parents inherit first. They split the estate equally. If only one parent is alive, they get double. The other half goes to… well, it depends on the situation.
If you have no living parents, your siblings get everything. They split it equally. If a sibling died before you, their kids get their parent’s share.
This chain continues: nieces and nephews, then grandparents, then aunts, uncles, and cousins. But here’s the thing. Stay with me here. Most estates stop at the sibling level. The rest is pretty rare.
If You Have No Family at All
This almost never happens. But if you die with no spouse, kids, parents, siblings, nieces, nephews, or distant relatives… the state of Illinois gets it. Your estate “escheats” to the state.
But this is so rare that you probably know someone closer to you than the state government.
What Property Is Affected by These Rules?
Not all your stuff follows these rules. That’s important.
Only what lawyers call “probate property” goes through intestacy. This is property you own in your name alone. Bank accounts with just your name on them. Real estate with just your name on the deed. Your car if it’s in your name only.
Want to know what doesn’t follow these rules? Wondering if this applies to you? Let me break it down.
Life insurance with a named beneficiary? That goes to whoever you named. Your spouse gets it. Your best friend. Whoever you picked. Not the intestacy rules.
Bank accounts with a “payable on death” option? Same deal. You name who gets it. It bypasses intestacy.
Property held in joint tenancy (when two people own it together)? It goes to the surviving owner automatically. Super simple.
Retirement accounts like a 401(k) or IRA? If you named a beneficiary, they get it. Those funds skip intestacy completely.
Trusts work the same way. Property inside a trust doesn’t follow intestacy rules.
This is actually huge. A lot of your stuff probably doesn’t go through intestacy at all. But the stuff that does? Yeah, Illinois rules apply.
Special Family Situations: Stepkids, Adopted Kids, and Others
Adopted Children
Legally adopted kids? They inherit just like biological kids. No difference. Full inheritance rights. They get their intestate share.
Stepchildren and Foster Children
Here’s the tricky part. Stepchildren and foster children you didn’t legally adopt? They get nothing. Zero. Not a penny.
Unless you formally adopted them, they have no legal claim. That’s a huge difference. Not sure what counts as legal adoption? It means the court issued a formal adoption decree. It’s official. Stepchildren don’t automatically get that unless you went through the adoption process.
Children Born Outside of Marriage
Good news for these kids. They inherit just like any other child. But there’s a condition. Paternity has to be established. Either you acknowledged it in writing during your life, or a court established it before or after your death.
If paternity is never established? The child might not inherit. That’s why it matters.
Posthumous Children (Born After Your Death)
Kids born after you die get an inheritance. Children born through artificial insemination after your death also inherit. But here’s the catch. You had to consent in writing before you died. And they have to be born within 36 months of your death.
You can literally leave money to children born years after you’re gone. Pretty wild, right?
What About Half-Siblings?
Yep, they inherit. Half-siblings are treated the same as full siblings. You share one parent with them instead of two, but they still get the same inheritance rights. No difference. Fair? That’s what the law says.
Estate Taxes: Does Illinois Tax Your Death?
This is where it gets real. Illinois has an estate tax, and it can eat into what you leave behind.
If your estate is worth less than $4 million, there’s no state estate tax. That’s good news for most people. But if your estate is worth more than $4 million, Illinois taxes the amount over $4 million. The tax rate goes up to 16%.
So if your estate is worth $5 million, Illinois taxes $1 million at up to 16%. That’s a chunk of change gone before anyone inherits.
Here’s what you should know: This isn’t the federal estate tax. That’s separate. The federal government also taxes large estates. But honestly, most families don’t hit the federal level. Illinois estate tax is the bigger threat for people in the state.
Basically, pretty much every dollar over $4 million gets taxed. The state gets paid before your heirs get anything. Good to keep that in mind.
Who Gets to Be Administrator?
When you die without a will, the probate court needs someone to manage the estate. This person is called an “administrator.”
It’s basically the same job as an “executor” (that’s what you’d appoint in a will). The administrator settles your debts, pays taxes, and distributes your stuff.
Here’s the fun part. If you didn’t name an executor in a will, family members get to choose. The people closest to you have the first say. Usually, the spouse or adult children get to pick. If they all agree on someone, great. If they fight about it? The court decides.
This gets expensive. Administrators sometimes need lawyers. Courts charge fees. All that money comes from your estate. Less money for your family.
Special Case: Disinheriting Someone
You’re wondering if you can cut someone out, right? Yes. You can disinherit children or anyone else.
But here’s the thing. You can’t just ignore them. You have to make it clear in a will. You have to say something like: “I am intentionally making no provision for my child [name].”
If you don’t mention them at all in a will? They might be able to argue they were accidentally left out. Then there’s a lawsuit. More costs. More drama.
If you want to disinherit someone, get a real will and be specific about it. That’s the move.
How to Avoid All This Mess
Okay, here’s the simple answer. Get a will. Seriously.
Write a will and say exactly who gets what. You can change the state’s default rules completely. Want your unmarried partner to inherit? Put it in a will. Want to leave money to a friend instead of your siblings? A will lets you do that.
Beyond a will, consider a few other options. A living trust lets you control how property gets distributed outside of intestacy. Beneficiary designations on retirement accounts and insurance let you direct those funds exactly where you want them.
Joint tenancy with the right of survivorship also works. If you own a house with someone and you both die, that house goes to the survivor automatically.
The point is this. You have options. You don’t have to follow Illinois intestacy rules if you don’t want to. But if you do nothing? These rules control everything.
The Probate Process After Death
When someone dies intestate in Illinois, their family usually has to go through probate. This is a court process.
An administrator gets appointed. Debts get paid. Taxes get filed. Then property gets distributed according to intestacy rules. It takes time. Months, sometimes over a year for complex estates.
There’s a faster option for small estates. If the estate is worth less than a certain amount, families can use a “small estate affidavit.” It’s simpler and cheaper. No court involvement. Property transfers faster.
But for bigger estates, probate is usually necessary. And it’s not fun. Courts charge fees. Administrators sometimes charge fees. Lawyers charge fees. All this money comes from the estate.
What Happens to Non-Probate Assets
Let’s be clear about something. Joint accounts, retirement accounts, and life insurance? These don’t go through probate. They pass directly to whoever you named.
So if you had $200,000 in a joint bank account with your spouse, it goes to them automatically. Your 401(k) with your daughter named as beneficiary? She gets it. Your life insurance policy naming your sister? She gets it.
These assets bypass intestacy completely. The state’s rules don’t touch them. That’s why it’s smart to name beneficiaries on everything that lets you.
What If You Own Property in Another State?
Here’s a wrinkle. If you own real estate in another state, that state’s intestacy laws might apply to that property. Not Illinois law.
So if you own a house in Florida, Florida’s intestacy rules probably control how that house gets distributed. Not Illinois rules.
This gets complicated. You might need lawyers in multiple states. More costs. More headaches. Another reason to have a will. A will can address property in multiple states.
Frequently Asked Questions
Can my unmarried partner inherit under Illinois law?
No. Not unless you specifically name them in a will or on a beneficiary form. Illinois intestacy law only recognizes spouses, children, and blood relatives. Unmarried partners, no matter how long you’ve been together, have no legal claim.
What if I want to give everything to my charity?
You can’t do that without a will or trust. Illinois intestacy law gives everything to your relatives. To benefit a charity, you need an official document stating that’s your wish.
Do illegitimate children inherit?
Yes, as long as paternity is established. Children born outside of marriage have the same inheritance rights as other children, but a court or written acknowledgment must confirm who the father is.
What if multiple people died (like in an accident)?
Illinois law has rules for that. It’s called the “Uniform Simultaneous Death Act.” Generally, if two people die at the same time and it’s unclear who died first, they’re treated as if they died in a specific order for inheritance purposes. Get a lawyer to figure this out. It’s complicated.
Can creditors take money from my intestate estate?
Yes. Before any money goes to heirs, the estate pays debts and taxes. Credit card companies, hospitals, and the IRS all get paid first. Only what’s left over goes to family.
How to Protect Your Family Right Now
Honestly, this is the part that matters most. You now know the basics. So what’s next?
First, sit down and think about what you actually want. Who do you want to inherit your stuff? If your answer is different from Illinois law, you need a document.
Second, make a list of your big assets. Real estate, bank accounts, vehicles, retirement accounts. Figure out which ones would go through intestacy and which have beneficiary designations already.
Third, consider getting a will. It doesn’t have to be complicated. You can use online services, or hire a lawyer. The point is to have something in writing.
For bigger estates or blended families, consider a trust. It gives you more control and sometimes avoids probate entirely. That saves money and time.
Finally, review beneficiary designations on everything: 401(k)s, IRAs, life insurance, transfer-on-death accounts. Make sure they say what you actually want.
Do this stuff now. Not when you’re sick. Not when you’re old. Now. Your family will thank you.
Special Circumstances Worth Knowing
Immigration Status
Here’s something most people don’t know. Even if a relative isn’t a U.S. citizen or isn’t legally in the country, they can still inherit under Illinois intestacy law. Immigration status doesn’t matter. If they’re legally related to you, they can inherit.
Spousal Rights
A spouse can inherit even if they’ve been separated for a long time. As long as the marriage wasn’t officially dissolved through divorce, the separated spouse has inheritance rights. You’d need a divorce to cut off a spouse’s right to inherit.
Killing the Deceased
Here’s a dark one. Anyone who intentionally and unjustifiably kills you cannot inherit from you. The law won’t reward someone for murder. Not happening.
Final Thoughts
Now you know the basics. Illinois intestacy laws are pretty straightforward once you understand the hierarchy. Spouse and kids first. Then parents and siblings. Then more distant relatives. It’s a logical system.
But here’s the thing. It’s probably not exactly what you’d want. Most people’s actual wishes are different from what Illinois law says should happen.
So make a plan. Write something down. Name your people. Don’t leave it to chance. Don’t leave it to the state. You have control here. Use it.
Stay informed, stay safe, and when in doubt, ask a lawyer who specializes in estate planning. Your family will be grateful you did.
References
Illinois Probate Act – 755 ILCS 5/2-1 to 5/2-5
Illinois Legal Aid Online – What Happens When I Die Without a Will?
Nolo – Intestate Succession in Illinois