Probate Q&A Series

How can I use the year’s allowance option to access estate assets without initiating full probate? – North Carolina

Short Answer

North Carolina allows a surviving spouse to claim up to $60,000 of the decedent’s personal property through a “year’s allowance,” without opening a full estate. You file a short application with the Clerk of Superior Court, and the clerk assigns specific assets and issues certified orders you can present to banks or the DMV. The allowance is paid before general creditors, but it can be limited by liens and by whether an asset actually belongs to the probate estate.

Understanding the Problem

You want to know whether you, as the surviving spouse in North Carolina, can access estate assets quickly—without opening full probate—by using the year’s allowance. The decision point is whether the allowance can deliver the assets you need now, given what the Clerk of Superior Court requires and how soon you must file if anyone has been appointed to administer the estate.

Apply the Law

North Carolina law provides a spousal “year’s allowance” of up to $60,000 from the decedent’s personal property. The Clerk of Superior Court assigns the allowance, typically using an Administrative Office of the Courts form (AOC-E-100). The allowance has priority over general creditor claims and judgment liens, but it does not defeat specific liens on particular property and it can only reach assets that are part of the decedent’s probate personal property. If a personal representative has been appointed, you must file the application within six months after letters issue; otherwise, apply as soon as practical because procedures and timing can vary by county.

Key Requirements

  • Eligibility: You are a surviving spouse with a valid marriage who has not forfeited or waived the right.
  • Amount and priority: Up to $60,000 from the decedent’s personal property; payable before general creditors and judgment liens, but subject to specific liens on items (like a car loan).
  • Estate property only: The allowance pulls from probate personal property (e.g., sole-name bank accounts, cash, household goods). Assets that pass outside the estate (beneficiary-designated retirement accounts, many joint-with-right-of-survivorship accounts) are generally not available.
  • Filing and forum: File the Application and Assignment of Year’s Allowance (AOC-E-100) with the Clerk of Superior Court in the decedent’s county of domicile; deliver a copy to any appointed personal representative.
  • Timing: If a personal representative has been appointed, apply within six months of the issuance of letters; otherwise, apply promptly.
  • Proof and valuation: The clerk must be able to identify and value assigned items; equity (value minus any specific lien) is what counts toward the $60,000.

What the Statutes Say

Analysis

Apply the Rule to the Facts: As the surviving spouse seeking to avoid full probate, you can file AOC-E-100 with the Clerk in the decedent’s county to request assignment of up to $60,000 in personal property before general creditors. Without valuation documents, you should still list identifiable assets and provide best available information; the clerk can assign based on equity and issue a deficiency if the listed items are worth less than $60,000. Retirement accounts with a named beneficiary usually pass outside the estate and are not available for the allowance, but a vehicle titled in the decedent’s name can be assigned and retitled using the certified order.

Process & Timing

  1. Who files: Surviving spouse. Where: Clerk of Superior Court (Estates Division) in the decedent’s North Carolina county of domicile. What: AOC-E-100 (Application and Assignment of Year’s Allowance), plus death certificate and a simple marriage/family affidavit; bring multiple copies for certification. When: If a personal representative has been appointed, file within six months after letters issue; otherwise, apply promptly.
  2. The clerk reviews eligibility, identifies and values estate personal property, and signs the assignment. If the listed property totals less than $60,000, the clerk may note a deficiency and issue a separate deficiency judgment form (AOC-E-101) for amounts to be satisfied if more estate assets later come in.
  3. Use certified copies of the signed AOC-E-100 to collect assets. For bank accounts, present the certified order and death certificate. For vehicles, present the certified order to the DMV to transfer title; if the vehicle was not assigned through the allowance and certain conditions apply, you may use a DMV affidavit under § 20-77(b). The process ends when you have collected the assigned property.

Exceptions & Pitfalls

  • Assets outside probate: Beneficiary-designated retirement accounts, life insurance payable to a person, and many joint-with-right-of-survivorship accounts are generally not available to fund the allowance. An exception: for certain statutory joint deposit accounts, the decedent’s portion may be applied.
  • Liens and equity: You take assigned items subject to any specific liens (e.g., a car loan). Only the equity counts toward the $60,000.
  • Real estate not available: The allowance comes from personal property, not real property.
  • “Blank” filings: A completely blank asset list will not let you collect from third parties. List known items with best available details (e.g., bank name, account ending digits, vehicle VIN). The clerk can assign now and use a deficiency for the balance.
  • Notice and venue: If a personal representative is appointed, you must deliver a copy of your application to that representative and file in the correct county.
  • Contested hearings: The clerk can require a hearing if entitlement, amount, or specific property is disputed, which can slow collection.

Conclusion

In North Carolina, a surviving spouse can access up to $60,000 of the decedent’s probate personal property without full probate by filing AOC-E-100 with the Clerk of Superior Court and obtaining a certified assignment to present to banks or the DMV. The allowance is paid before general creditors but cannot reach non-probate assets or defeat specific liens. Next step: file the Application and Assignment of Year’s Allowance with the appropriate Clerk; if a personal representative has been appointed, do so within six months of the issuance of letters.

Talk to a Probate Attorney

If you’re dealing with using a year’s allowance to access estate assets without full probate, our firm has experienced attorneys who can help you understand your options and timelines. Call us today at 919-341-7055.

Disclaimer: This article provides general information about North Carolina law based on the single question stated above. It is not legal advice for your specific situation and does not create an attorney-client relationship. Laws, procedures, and local practice can change and may vary by county. If you have a deadline, act promptly and speak with a licensed North Carolina attorney.