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Drug addiction and estate plans

Those creating an estate plan often have a lot of issues to consider as well as uncertainty about various facets of the process. Moreover, some are unsure about what to do when a loved one is struggling with serious challenges, such as drug addiction or a drinking problem. For example, many worry that a beneficiary will misuse assets to fuel their addiction or lack the ability to manage funds properly. 

Fortunately, there are strategies to ensure that loved ones facing these hardships do not misuse assets while providing them with resources that will improve their lives. 

Finding a trustee 

For starters, many people who worry about a loved one’s drug addiction are able to find trustees to help ensure that inheritance is used appropriately. However, it is imperative to identify the right individual. Often, people assign these responsibilities to other family members, but this is not always a smart move. Sometimes, parents, siblings and other relatives are too close to a beneficiary who has a drug problem and give in to demands or allow them to access funds they will use to further their addiction. If you decide to appoint a trustee to protect your loved one who is struggling with an addiction, it is crucial to find the right person. 


Sometimes, people decide to disinherit a beneficiary as a result of their drug addiction. This is a serious decision that often carries repercussions, such as will contests and emotional pain. Some people disinherit a loved one with hopes that other beneficiaries will step in and offer support once they recover, but this does not always work out. We understand how complex these situations are and cover many other estate planning topics on our blog.