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Wills & Estates

How do I find a missing beneficiary of an estate in Ontario?

TSL Written by the Treadstone Law Team· Updated November 1, 2026

If you cannot locate a named beneficiary, do not simply distribute their share and move on. A trustee who has given the required notice to creditors is not liable to a claimant they had no notice of, but that protection does not apply to heirs, next of kin, devisees or legatees claiming as such, and advertising for creditors does not protect a trustee who distributes without a missing beneficiary's share.

The usual route for direction is an application to the Superior Court of Justice for the court's opinion, advice or direction without starting an action. Where a judge passes final accounts and finds money belonging to a person whose address is unknown, that money must be paid into court. The court may also order trust money paid in on a trustee's application, and payment into court is a sufficient discharge for the money paid.

If a trustee breaches a trust, the court may relieve them wholly or partly if they acted honestly and reasonably and ought fairly to be excused. Keep a written record of every step you take to find the person, and speak with a lawyer about the right court process before you distribute.

Key takeaways

  • Advertising for creditors does not protect a trustee who distributes without a missing beneficiary's share.
  • An estate trustee may apply to the Superior Court of Justice for the court's opinion, advice or direction without starting an action.
  • When final accounts are passed, money belonging to a person whose address is unknown must be paid into court.
  • Under Trustee Act s. 36, payment into court under the trust-money provisions of that section is a sufficient discharge for the money paid.
This is general information, not legal advice. It doesn’t create a lawyer–client relationship, and the rules can change. For advice on your situation, a Treadstone wills & estates lawyer can help.

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Sources

Links go to official government, court and regulator pages. The law changes — confirm you are reading the current version.

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