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Peterborough's Law Firm Since 1974

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Servicing Peterbourgh and Cottage Country

Continuing the law practices of:

Robert Claire McGillen (1946-2023)

P. Douglas Galvin (1935-2013)

Peter Millard (1945-2021)

Julie Kirkpatrick (Wills & POAs are with MKC Law Office)

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By Ian Keay February 10, 2026
When you want to keep the farm in the family.
By Ian Keay February 3, 2026
In Ontario, ODSP recipients are generally not permitted to hold more than $40,000 in non-exempt assets without risking their benefit qualification. As a result, receiving an inheritance—especially an unexpected one—can be stressful and confusing. Many recipients are left wondering whether the inheritance will reduce or interrupt their ODSP support. When families don’t know whether their intended-beneficiary collects ODSP or not, it can lead to the preparation of a Will that includes no planning to structure the gift properly-to protect the recipient's qualification for ODSP benefits. When that happens, the recipient (or, if they are incapable, their legally appointed representative) must consider whether there are ways to protect the intended beneficiary’s qualification. The ODSP $40,000 asset limit applies to non-exempt property and funds. However, certain exempt assets are not counted when determining ODSP eligibility. If an inheritance is not planned properly, a recipient who wants to remain eligible can consider whether enough of the inheritance can be transferred into exempt assets. This would mean that their non-exempt total stays within the allowable $40,000 limit. Examples of exempt assets under ODSP include: An interest in a principal residence One motor vehicle Funds held in a Registered Disability Savings Plan (RDSP) A trust created by the ODSP recipient using inherited funds, provided the trust capital does not exceed $100,000 A pre-paid funeral Household goods and furnishings required for the reasonable enjoyment of a home There are a number of planning tools available to skillful Wills practitioners to assist in protecting a beneficiary’s entitlement to ODSP - a prime example is a Henson Trust. If you are preparing your Will and you have a family member collecting ODSP benefits, getting good advice early is crucial. - Ian Keay
By Ian Keay February 3, 2026
Ontario’s Will validation rules are meant to prevent unfair outcomes where a person clearly intended a document to be their final Will, but the signing formalities weren’t perfect. However, there are limits — especially when the only “Will” is an unsigned draft that exists as a digital document only. A recent Ontario case, Madhani v. Fast, 2025 ONSC 4100, is a reminder that an unsigned electronic draft generally cannot be validated under Ontario law. The common scenario: lawyer takes instructions to draft a Will for Client lawyer prepares draft Will a signing appointment is booked the client dies before the Will is signed Will was not printed out - it exists in digital form only In Madhani , the draft Will was never printed and never executed. The draft existed only as an electronic file. Can the Court “validate” the draft anyway? Ontario’s validating provision is found at Section 21.1 of the Succession Law Reform Act (“ SLRA ”). Section 21.1 allows the Court to validate a document that does not comply with execution formalities provided it reflects the deceased’s testamentary intentions. In Madhani , the Court held Section 21.1 cannot be used to validate a Will that exists only in electronic form. Why not? Another piece of Ontario legislation, the Electronic Commerce Act, 2000 (“ ECA ”) explicitly limits the Court’s validating power. Section 31 of the ECA excludes Wills from electronic recognition. Section 21.1(2) of the SLRA explicitly makes Will validation subject to the exclusion under Section 31 of the ECA. In short: Ontario law still requires a physical testamentary document for validation to even be possible. Testamentary intention still matters Nevermind the “electronic draft” problem, which is significant on its own. There must also be evidence before the Court that supports that the digital draft was a valid reflection of the deceased Client’s fixed and final intention. Did the Client read the final draft? Did the Client sign the final draft? What evidence can be produced that shows what was drafted is an accurate reflection of the Client's "fixed and final intention"? Ontario courts often use the “deliberate, fixed and final intention” test drawn from George v. Daily, 1997 CanLII 17825 (MB CA). In Madhani , the draft Will was to be reviewed and confirmed at the signing meeting — only the signing meeting never happened – which means no evidence could be produced to decide whether the draft Will reflected the deceased Client’s fixed and final intention. The Court was not reasonably satisfied in Madhani . How this differs from other validation cases Ontario courts have validated Wills with execution defects where the document was physical and clearly authentic, for example: Cruz v. Public Guardian and Trustee , 2023 ONSC 3629 Vojska v. Ostrowski , 2023 ONSC 3894 But those cases involved paper documents that were physically present and clearly connected to the deceased’s fixed and final intention. Practical takeaways The Madhani case is a caution for both lawyers and families: print important drafts (especially when a signing meeting is imminent) try to obtain direct confirmation from the client (not only through intermediaries) digital drafts on devices may not be legally usable as Wills in Ontario Bottom line Madhani confirms that Ontario’s Will validation paradigm under Section 21.1 SLRA is helpful — but it is not a workaround for electronic-only drafts. Until legislation changes, a Will must exist in physical form before Ontario’s courts can consider validating the unsigned draft under SLRA s. 21.1.

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We Can Assist You in the Following Areas:

Real Estate

For many people, buying a home will be the biggest transaction of their life, and the largest amount of money to which they will put their name.

Family Law

Dealing with family law is a difficult time. There are many complex issues, such as custody, spousal support, child support, matrimonial property, and dividing pensions.

Wills & Estates

You can’t know all the challenges your family will face in the future, but our estate lawyers will make sure you have taken all reasonable steps to protect your family and your legacy.

Business Law

MKC Law Office has been providing counsel to their corporate clients and ensuring compliance with the complex laws that govern businesses locally.

Litigation

The lawyers at MKC Law Office have represented their clients at every level of court: from administrative tribunals and small claims court to the Superior Court of Justice and the Ontario Court of Appeal.

THE LAWYERS

The Lawyers at MKC Law Office Can Get You the Results You Want

Ian Keay

partner

Ian Keay is the managing partner and practices in the areas of Real Estate, Business Law and Wills & Estates.


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Oliver S. Cooper

partner

Oliver has focused his practice on courtroom litigation and client centered negotiation/settlement and collaborative law.


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