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Per capita at each generation, per stirpes and by representation, for Colorado trustees

Sooner or later most trustees face the question: a beneficiary died before the settlor — who takes that share? The trust's own words control. Colorado defines the words by statute: an intestate estate passes to descendants per capita at each generation (C.R.S. §15-11-106), and when an instrument calls for "per capita at each generation", "per stirpes" or "by representation", C.R.S. §15-11-709 says what each means. Here is the arithmetic of each system, side by side.

Montre nan lang ou kòm yon tradiksyon otomatik, ki ap tann revizyon yon moun ki pale lang lan natifnatal. Rezime lwa yo ak orijinal anglè a rete sous referans lan.

The three systems, in one sentence each

Strict per stirpes — the division always begins at the children’s generation, one share per child living or deceased with descendants living; a deceased child’s share splits among that child’s own descendants. In Colorado this is what "per stirpes" means in a governing instrument (C.R.S. §15-11-709(3)).

Per capita with representation — divide at the nearest generation with a surviving member: one share for each survivor there and for each deceased member who left descendants; a deceased member’s share passes down the same way to that member’s descendants. In Colorado this is what "by representation" means in a governing instrument, unless the instrument provides otherwise (C.R.S. §15-11-709(5)).

Per capita at each generation — divide at the nearest generation with survivors; the deceased members’ shares are combined and divided equally among the next generation’s takers, so equally-near relatives take equally. In Colorado this is the division of an intestate estate among descendants (C.R.S. §15-11-106) and the meaning of "per capita at each generation" in an instrument (§15-11-709(2)).

The same family tree can come out differently under different governing words — which is why the instrument controls. In Colorado the words matter twice: "per capita at each generation", "per stirpes" and "by representation" each have a statutory meaning when an instrument uses them (C.R.S. §15-11-709), and intestacy uses per capita at each generation (§15-11-106). A trust may also define its own scheme or name alternate takers, and reading a particular instrument against the statute is licensed-attorney work.

Try the arithmetic yourself

Model a family shape — who is living, who left children — and see each system’s exact split. Two generations (children and grandchildren); this is the math of each rule, not a suggestion of which to use.

Child 1

Child 2

  • Grandchild 2.1

Child 3

  • Grandchild 3.1
  • Grandchild 3.2
Exact shares under each system for the family modeled above — the systems DIVERGE for this shape
PersonStrict per stirpesPer capita w/ representationUPC per capita at each generation (CO default)
Child 11/3 (33.3%)1/3 (33.3%)1/3 (33.3%)
Grandchild 2.11/3 (33.3%)1/3 (33.3%)2/9 (22.2%)
Grandchild 3.11/6 (16.7%)1/6 (16.7%)2/9 (22.2%)
Grandchild 3.21/6 (16.7%)1/6 (16.7%)2/9 (22.2%)

Arithmetic only — the exact fractions each rule produces for the shape you modeled, with Colorado’s default labeled as what C.R.S. §15-11-106 provides for an intestate estate. Not advice, and never a statement of which rule YOUR trust uses — the instrument’s own words decide that, and reading them is licensed-attorney work.

Sant Aprantisaj la se enfòmasyon jeneral sou lwa Kolorado — se pa konsèy legal, e li pa ranplase konsèy yon avoka Kolorado ki gen lisans sou reyalite pa ou. TrusteeClear se yon lojisyèl, pa yon kabinè avoka.