Estate Planning 101

How Long Does Probate Take in Kentucky?

In this article, we'll cover the topics that impact the length of probate in Kentucky, including complexity and value of the estate, guardianship, trusts, not having a Will, and claims from creditors or family members.
October 6, 2023

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Understanding the probate process is a critical part of estate planning, and one of the most frequently asked questions is, "How long does probate take?" In Kentucky, like in other states, the duration of the probate process can vary greatly depending on several factors, including the size of the estate, whether a will is present, and how efficiently the executor or personal representative performs their duties. On average, probate in Kentucky can take anywhere from several months to over a year. In this post, we'll delve into the factors that affect the length of the probate process in Kentucky and provide some practical tips on how to navigate it.

The more complex and valuable the estate, the longer things are likely to take:

In Kentucky, as in many other states, the complexity and value of an estate is a major factor that affects the duration of the probate process. This is because estates with a variety of asset types or large monetary value often require more time to identify, locate, value, and manage. For instance, if the deceased owned real estate in multiple states, each property might have to go through probate in its respective state, adding complexity and time to the process. Moreover, certain types of assets such as businesses can also complicate matters, requiring additional steps to value, transfer, or sell.

Non-probate assets, such as life insurance policies, retirement accounts, and properties held in joint tenancy, are also a factor to consider. While these assets can streamline the process as they transfer directly to the named beneficiaries upon death, the process of identifying, locating, and transferring these assets can still take time.

If an estate is worth more than the small estate threshold in Kentucky, which is currently $15,000, it will have to go through formal probate, a more complex and lengthy process than simplified or small estate probate.

If the deceased died “intestate” (that means they didn’t have a will), probate usually takes a lot longer:

When a person dies without a valid will in place, they are said to have died "intestate". In such situations, their estate is divided according to Kentucky's intestacy laws, which can significantly lengthen the probate process. Without a will to provide clear direction, determining who gets what can become a contentious issue among surviving family members, potentially leading to legal disputes and court intervention. In addition, intestacy necessitates the appointment of an administrator for the estate, a role similar to the executor in a will. However, without a will to specify who should take on this role, the court will need to appoint someone, which can be a time-consuming process.

If trusts are involved, the process is usually slower:

While trusts are often used as a tool to bypass the probate process, they can, paradoxically, slow down the process when they are part of an estate undergoing probate. This is largely due to the complexities involved in managing and distributing the assets held in the trust. Trusts require careful administration, which can be time-consuming and complex, particularly if the trust contains a variety of assets or if the distribution instructions are intricate. Furthermore, if the trust was not set up correctly or if there are questions about its validity, disputes can arise, which can take a considerable amount of time to resolve, particularly if they end up in court.

Matters of guardianship will also slow down the probate process:

When a deceased individual leaves behind minor children, the need to establish guardianship for these minors can significantly slow down the probate process. In Kentucky, if a parent passes away and the other parent is already deceased or deemed unfit, a guardian needs to be appointed for any minor children. Even if a guardian is named in the will, the court must approve the choice, ensuring it's in the best interest of the children. If no guardian has been named in a will, or if the deceased died intestate, the court must select a suitable guardian, a process that can lead to potential disputes and prolong the probate process.

Claims on the estate — either from creditors or other family members — can make things take a lot longer:

When an individual passes away, their estate may be subject to various claims, primarily from creditors and potential heirs. Both types of claims can significantly extend the duration of the probate process. In Kentucky, the law requires that the personal representative of the estate notify all known creditors of the decedent's death. The creditors then have a specific period to file their claims against the estate for any outstanding debts. Dealing with creditors can be a lengthy process, as the personal representative must validate each claim before paying it. If the estate lacks sufficient funds to cover all debts, it can add to the duration of probate. Claims from family members or other potential heirs can also delay the probate process. Sometimes, long-lost relatives or unexpected heirs may emerge after a person's death, claiming a right to a portion of the estate. This can lead to legal disputes, which can dramatically slow down the probate process and even result in court intervention.

The probate process — and how long each stage takes:

The probate process in Kentucky, like many legal procedures, is methodical and consists of several stages. When trying to estimate how long probate might take, it's helpful to understand each of these steps and the typical time each one might require. However, remember that these are just estimates, and the actual timeline can vary significantly based on the factors previously discussed.

  1. Opening the Estate: The probate process begins with filing a petition to open the estate with the probate court in the county where the decedent lived. This step usually happens within a month or so after the individual's death. The court then appoints a personal representative, also known as an executor or administrator, who is responsible for managing the probate process.
  2. Notification of Heirs and Creditors: The personal representative is required to notify all potential heirs and known creditors of the decedent's death. This can take a few weeks to a few months, depending on the number of parties involved.
  3. Inventory and Appraisal: The personal representative must then inventory the decedent's assets and have them appraised to determine their value. Depending on the complexity and size of the estate, this process can take several months.
  4. Payment of Debts and Taxes: The personal representative uses the estate's funds to pay off any outstanding debts and taxes. Resolving all claims can take several more months, depending on the number and complexity of the claims.
  5. Distribution of the Remaining Assets: After all debts and taxes have been paid, the personal representative can distribute the remaining assets to the heirs according to the decedent's will or Kentucky's intestacy laws if there is no will. This process can take a few weeks to a few months, depending on the number of heirs and the types of assets involved.
  6. Closing the Estate: Finally, the personal representative must prepare a final accounting, showing all payments and distributions made from the estate. Once the court approves this accounting, the estate can be officially closed. This final step can take a few weeks to a few months.

What to do if your executor isn’t moving probate along properly:

If you feel the executor of the estate is not fulfilling their duties appropriately, it's important to know your rights and the steps you can take to ensure the estate is handled correctly. In Kentucky, the executor, also known as the personal representative, has a fiduciary duty to manage the estate in the best interest of the beneficiaries. This includes completing the probate process in a timely and efficient manner. If you believe the executor is not meeting their obligations, you can raise your concerns with the probate court. You'll need to provide evidence of the executor's shortcomings, such as negligence, mismanagement of estate assets, or failure to communicate important information about the probate process. The court will review your complaint and, if necessary, may order the executor to provide a detailed report of their actions and the estate's status. In extreme cases, where the executor has acted in bad faith or has seriously mismanaged the estate, the court may remove them and appoint a new executor.