Whiteford

Colorado · Probate

When someone dies without a will, Colorado law — not the family — decides who inherits. Here is what those defaults actually say.

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The call usually comes from an adult child: Dad died last month, there is no will, and a stepmother, two siblings, and a half-brother in another state are all quietly wondering who gets the house. Nobody is fighting — yet.

Colorado's probate code supplies a default estate plan for everyone who never wrote their own. It is called intestate succession, and it distributes property by a fixed family-tree formula — orderly, impartial, and often surprising.

This page covers how the defaults work, where blended families get surprised, and what comes next. Whiteford's Colorado team guides heirs through intestate estates statewide.

What Colorado's default plan actually says

Many people assume a surviving spouse simply inherits everything. Under Colorado's defaults, that is true only in certain configurations — generally when every child of the decedent is also a child of the surviving spouse. When either spouse has children from another relationship, or the decedent's parents survive, the spouse's share changes. The family tree, not the family's wishes, controls the math.

With no surviving spouse, the estate passes to children equally, a deceased child's share flowing to that child's own children. From there the law works outward: parents, siblings, then more distant relatives. Identifying the correct heirs is a formal task completed before anything is distributed.

Blended families: where the defaults surprise people most

Colorado families rarely match the tidy diagram the intestacy rules assume. Second marriages, stepchildren raised from toddlerhood, unmarried partnerships, and half-siblings across households are common — and the defaults handle each in unexpected ways.

The surprises cut both ways: people the decedent loved most can receive nothing, while relatives who drifted away decades ago inherit anyway. A few patterns recur constantly.

  • Stepchildren generally inherit nothing under the defaults unless legally adopted, no matter how close the bond
  • Unmarried partners receive nothing through intestacy, however long the couple shared a life
  • A surviving spouse frequently shares the estate with the decedent's children from a prior relationship
  • Estranged children and distant half-relatives can inherit alongside those who provided daily care
  • Assets with beneficiary designations or joint titling pass outside these rules entirely

What happens next — and how families can steer it

Someone must open a probate case before anything official occurs. The court appoints a personal representative from a statutory priority list — typically the spouse or an heir — who gathers assets, addresses debts and taxes, and distributes under the default formula, through the Denver Probate Court or the county's district court.

Families are not entirely locked in: adult heirs can sometimes agree in writing to a different division, and anyone can formally disclaim a share. The deeper lesson is that intestacy is optional — a will or trust replaces it completely. The free Colorado Estate Snapshot at /estate-snapshot shows how your own assets would flow today, and a free Legacy Game Plan Session turns that picture into a plan.

The law, current

What Colorado families should know in 2026

$15M

Federal exemption — now permanent

The 2025 federal tax law made the estate and gift tax exemption permanent at $15,000,000 per person (indexed) beginning in 2026 — roughly $30M for a married couple with proper planning. Colorado imposes no state estate or inheritance tax. Plans written under older, lower exemptions often carry structures families no longer need — or miss opportunities they now have.

UPC

Colorado probate: simpler — but not simple

Colorado follows the Uniform Probate Code: many estates qualify for informal probate, and small estates under an inflation-indexed threshold can often skip court entirely via affidavit. But without a will, Colorado's intestate-succession statutes — not your wishes — decide who inherits, and blended families are where those defaults surprise people most.

Clocks

Dispute deadlines run quietly

Will contests, trust challenges, creditor claims, and fiduciary-misconduct actions in Colorado all carry deadlines — some triggered by notices a beneficiary may not even recognize as starting a clock. If something about an estate feels wrong, the single most protective step is learning your specific deadlines early.

Sources: Pub. L. 119-21 (2025) (federal exemption); Colo. Rev. Stat. Title 15 (probate, intestacy, small-estate collection; Colorado Uniform Trust Code). General information, not legal or tax advice; thresholds adjust and exceptions apply.

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You leave with all four — whether or not you ever hire us. No pressure, no obligation, no fine print.

How it works

A clear process, from first contact to resolution

01

Tell us where things stand

A free, confidential conversation — or start with the two-minute Estate Snapshot. Planning or dispute, we listen first; no obligation, no pressure.

02

We map documents and deadlines

What exists, what's missing, and every clock that's running — probate windows, contest periods, tax elections. Estates are won and lost on timing.

03

We design — or investigate

For planning: a design built around your family, assets, and tax picture. For disputes: records, accountings, and title work that show what actually happened.

04

Execute with national depth

Documents signed, trusts funded, plans that actually work — or a dispute pressed by a Chambers-ranked trusts and estates platform prepared to litigate when needed.

Your legal team

A Denver front door. A national trial platform.

Whiteford Mountain West pairs Colorado-based leadership with the trial depth of Whiteford's full national litigation platform — so serious cases get serious resources.

Peter D. Antonoplos, Partner · Co-Chair, Trusts & Estates

Peter D. Antonoplos

Partner · Co-Chair, Trusts & Estates

Whiteford national platform

Peter Antonoplos co-chairs Whiteford's Trusts and Estates section, bringing more than twenty years of experience advising individuals, families, businesses, and institutions on estate planning, trusts, asset protection, and complex estate and gift tax strategy.

Jeffrey R. Schell, Managing Director, Whiteford Mountain West

Jeffrey R. Schell

Managing Director, Whiteford Mountain West

Denver, Colorado

Jeff Schell is a Denver-based partner at Whiteford and the Managing Director of Whiteford Mountain West. A Colorado attorney, he was named one of ColoradoBiz Magazine's 25 Most Influential Young Professionals in Colorado.

Attorneys are admitted in the jurisdictions listed in their official firm profiles. Colorado matters are supervised and led through Whiteford's Colorado-admitted attorneys, with the firm's national trusts-and-estates counsel engaged on each matter as appropriate and permitted.

Frequently asked questions

Does my spouse automatically inherit everything if I die without a will in Colorado?

Not always. A surviving spouse takes the entire intestate estate only in certain family configurations — generally when all of the decedent's children are also the spouse's children. When either spouse has children from another relationship, or the decedent's parents survive, the spouse shares the estate with others. Because the outcome turns on the precise family tree, have an attorney map it before anyone makes assumptions.

Do stepchildren inherit when there is no will?

Under Colorado's default rules, stepchildren who were never legally adopted generally do not inherit, however central they were to the decedent's life. It is one of the most painful surprises in blended families — a stepchild raised in the home can receive nothing while a distant biological relative inherits. The only reliable fix is planning ahead: a will, trust, or beneficiary designations naming the people you actually intend to benefit.

Who takes charge of the estate when there is no will?

The court appoints a personal representative using a statutory priority list, typically beginning with the surviving spouse and then other heirs. When several family members hold equal priority — three adult children, say — they can agree on who serves, or the court resolves it. The personal representative then carries the same duties as an executor under a will: collecting assets, handling debts, and distributing correctly.

Can the family agree to divide things differently than the law provides?

Sometimes, yes. Adult heirs in agreement can often implement a different division through written family settlement agreements or disclaimers, and practical trades — one sibling takes the house, another takes accounts of similar value — are common. But every heir's consent matters, and minors or missing heirs complicate things quickly. An attorney can structure the agreement so the alternative division holds up rather than seeding a later dispute.

How do we keep this from happening to our own family?

Write the plan the state would otherwise write for you. Even a straightforward will lets you choose who inherits, who serves as personal representative, and who is protected from surprise. Reviewing beneficiary designations and property titling matters just as much, since those pass outside any will. Whiteford's free Legacy Game Plan Session walks through your situation and recommends a structure that fits your family.

Where does your estate actually stand?

The free Colorado Estate Snapshot walks through what actually determines how estates fare in Colorado — documents, titling, taxes, family structure, and the deadlines nobody mentions — in about two minutes. No obligation, and no pressure. Want a real answer instead? Book a free Legacy Game Plan Session and leave with a plan.

Educational only — not legal or tax advice, and no attorney–client relationship is created.

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