{"id":1176016,"date":"2020-02-18T16:30:38","date_gmt":"2020-02-18T21:30:38","guid":{"rendered":""},"modified":"2026-03-17T16:23:12","modified_gmt":"2026-03-17T20:23:12","slug":"3-les-beneficiaires-designes","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/wills-and-powers-of-attorney\/3-les-beneficiaires-designes\/","title":{"rendered":"3. Les b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s"},"content":{"rendered":"\n<p>Un \u00ab&nbsp;b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9&nbsp;\u00bb est une personne \u00e0 qui vous voulez laisser un actif en particulier \u00e0 votre d\u00e9c\u00e8s, mais qui ne figure pas dans votre testament.<\/p>\n\n\n\n<p>Voici des exemples de biens qui peuvent \u00eatre laiss\u00e9s \u00e0 un b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Polices d\u2019assurance-vie<\/li>\n\n\n\n<li>Prestations d\u2019un r\u00e9gime de retraite<\/li>\n\n\n\n<li>Placements enregistr\u00e9s, comme vos comptes d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI), vos r\u00e9gimes enregistr\u00e9s d\u2019\u00e9pargne-retraite (REER) et vos fonds enregistr\u00e9s de revenu de retraite (FERR)<\/li>\n<\/ul>\n\n\n\n<p>\u00c0 votre d\u00e9c\u00e8s, les actifs destin\u00e9s \u00e0 un b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9 vont habituellement directement \u00e0 ces personnes. Ils ne font pas partie de votre succession et n\u2019entrent <strong>pas<\/strong> dans le calcul des frais d\u2019homologation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-a-retenir\">\u00c0 retenir<\/h3>\n\n\n\n<p>Vous devez nommer clairement les b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s de vos placements (REER, FERR et CELI) et de vos prestations de retraite. Cela \u00e9vitera des querelles dans la famille.<\/p>\n\n\n\n<p>De plus, selon la loi de l\u2019Ontario, vous devez subvenir financi\u00e8rement aux besoins de vos personnes \u00e0 charge si vous le pouvez. Cela veut dire que vos personnes \u00e0 charge peuvent aller en justice pour <span><a href=\"\/fr\/questions\/wills-and-powers-of-attorney\/un-de-mes-proches-est-decede-et-je-ne-suis-pas-daccord-avec-ma\/\">demander des pensions alimentaires pour personne \u00e0 charge<\/a><\/span>.<\/p>\n\n\n\n<p>Le tribunal peut donner raison \u00e0 ces personnes et d\u00e9cider de leur accorder une partie de votre succession. Et parfois, la seule chose qui peut leur \u00eatre accord\u00e9e est un actif destin\u00e9 \u00e0 un b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9.<\/p>\n\n\n\n<p>Le tribunal peut d\u00e9cider&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>que l\u2019actif n\u2019ira pas au b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9,<\/li>\n\n\n\n<li>qu\u2019il fera plut\u00f4t partie de votre succession, et<\/li>\n\n\n\n<li>qu\u2019il servira \u00e0 soutenir la personne \u00e0 charge.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-choisir-un-beneficiaire-designe\">Choisir un b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9<\/h3>\n\n\n\n<p>Dans la plupart des cas, vous pouvez nommer n\u2019importe qui comme b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9. Vous n\u2019\u00eates pas oblig\u00e9 de nommer votre \u00e9poux ou votre enfant. Ce peut \u00eatre votre conjoint de fait, votre petit-fils ou votre petite-fille, votre ni\u00e8ce ou votre neveu, un ami ou m\u00eame une \u0153uvre de bienfaisance.<\/p>\n\n\n\n<p>Vous pouvez aussi nommer plusieurs b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s pour le m\u00eame actif. Il suffit de pr\u00e9ciser quelle part revient \u00e0 chacun. Par exemple, si vous avez 2 enfants, vous pourriez donner \u00e0 chacun 50&nbsp;% de l\u2019actif. Vous pourriez aussi donner 75&nbsp;% \u00e0 votre conjoint et 25&nbsp;% \u00e0 votre enfant.<\/p>\n\n\n\n<p>Dans certains cas, vous pouvez d\u00e9signer un second b\u00e9n\u00e9ficiaire qui remplacera votre premier b\u00e9n\u00e9ficiaire si celui-ci meurt avant vous.<\/p>\n\n\n\n<p>Si votre \u00e9poux ou conjoint de fait est un b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9, il recevra l\u2019actif m\u00eame si vous \u00eates divorc\u00e9s ou s\u00e9par\u00e9s. Si ce n\u2019est pas ce que vous voulez, vous devez le retirer comme b\u00e9n\u00e9ficiaire, si possible.<\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"author":3,"featured_media":0,"template":"","class_list":["post-1176016","steps","type-steps","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.9 (Yoast SEO v23.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>3. 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