Living with terminal illness

When the people closest to you are not your legal family

Australian law recognises partners and blood relatives first. If the people who matter most to you are neither, recognition is not automatic. This guide covers where the gaps are and which documents close them.

Reviewed by Pierre Legrand, founder of 18December
Last updated 25 September 2026
General information only. This guide is not medical, legal, or financial advice and does not create a professional relationship. Laws and medical standards vary by state and territory. Always seek advice from a qualified professional for your specific circumstances.

Australian law has a picture of who a person's family is. It starts with a spouse or de facto partner, then children, then parents and siblings, and works outward from there.

For a lot of people that picture is roughly right. For others it is not. A close friend who has been the main support for years. A person raised in the household who was never legally a child of it. A partner of eighteen months who does not yet meet a de facto threshold. Someone estranged from the relatives the law would reach for first.

This affects LGBTIQ+ people often, and it is not only about them. Anyone whose closest relationships sit outside the categories the law starts with is in the same position.

The good news is that most of the gaps close with paperwork rather than litigation. The difficulty is that nothing prompts you, and the gap only becomes visible at the point where it can no longer be fixed.


The law starts with partners and blood relatives

Two things are worth separating, because they get confused.

Same-sex partners are recognised. Commonwealth superannuation law has recognised a same-sex de facto partner since 2008, and most Commonwealth tax law since 2009. Since December 2017, same-sex couples can marry. Every state and territory now treats de facto partners, including same-sex partners, in much the same way as married spouses under its intestacy rules. The old fear that a partner counts for nothing is, in 2026, largely out of date.

What has not changed is everyone else. The categories are still spouse, child, parent, sibling, and so on outward. A person who is none of those things is generally invisible to the default rules about who inherits and who arranges the funeral, no matter how central they were.

There is one more wrinkle for de facto partners specifically. When there is no will, most states and territories treat a de facto partner as a spouse only after the relationship has lasted a minimum time. That is two years in most places and three in South Australia. In some, having a child together or registering the relationship removes the time requirement. South Australia also needs a court declaration for a partner who was not registered. The Northern Territory applies a time requirement only where the person who died left children or grandchildren. A couple of eighteen months and a couple of five years can be in quite different positions, and neither tends to know it, so it is worth checking how the rules work where you live.


Without a will, the law chooses your relatives for you

When someone dies without a valid will, the estate is distributed under that state or territory's intestacy rules. Those rules are a fixed order. They do not know anything about the actual relationships.

The practical effect is straightforward. A friend, a carer, a person who was family in every sense except the legal one, receives nothing under intestacy. There is no discretion in the rules for a court to notice that they were the person who was actually there. In some states, including New South Wales, a person who lived with someone in a close personal relationship can apply to a court for a share of the estate afterwards. That is a claim to be argued, often at cost, not a right.

A will is what replaces that fixed order with a decision. Whether making one is right for your situation, and what it should say, is a conversation for a solicitor admitted in your state.


The will usually settles who arranges the funeral

This is the part most people do not know about, and it is the one that causes the sharpest harm.

The right to decide what happens to a person's body does not follow whoever loved them most, and it is not settled by a funeral wishes document. In Australia it usually follows the executor named in the will. Where there is no will, it usually goes to the person with the strongest claim to manage the estate, which sends it back down the intestacy order to blood and marriage. A court can weigh other things if there is a dispute, but that is where it starts.

So a person who is estranged from their relatives, and who has not named an executor, can end up with a funeral arranged by exactly the people they had stepped away from. The people who were actually present have very little standing to intervene.

It is also worth knowing that written funeral wishes are generally treated as wishes rather than binding instructions. They tell the executor what was wanted. They do not transfer the decision. Who holds the role is the part that carries weight.


Superannuation has a door for people who are not partners or children

Superannuation is often the largest sum a person leaves, and it does not pass under a will unless it is specifically directed there. The fund decides where it goes, within limits set by Commonwealth law.

Those limits are narrower than most people expect. A fund can generally pay a death benefit to the estate, or to a dependant. Dependant is defined in section 10 of the Superannuation Industry (Supervision) Act 1993 as including a spouse, a child, or a person in an interdependency relationship.

That last category is the one worth knowing about, because it is one of the few places in Australian law that opens to a relationship which is neither romantic nor biological. Section 10A applies to two people "whether or not related by family", and the regulations list the things a trustee weighs. One of them is "whether or not a sexual relationship exists". The law is explicitly contemplating that this relationship may not be a romantic one.


An interdependency relationship is judged on how two people actually lived

Four things have to be true at once. The two people have a close personal relationship. They live together. One or each provides the other with financial support. And one or each provides domestic support and personal care.

Several details matter more than they look.

Living together is a real requirement, not a formality. There are only two exceptions in the regulations: where the two are temporarily living apart, and where a disability is the reason the other tests are not met. A permanent move into residential care does not sit comfortably in either.

The care has to go beyond what a friend or a flatmate would provide. The regulations say so in those words.

Paid care does not count towards it. Where the domestic support and personal care is provided under an employment contract, or on behalf of an agency or organisation, the regulations exclude it.

There is no minimum duration anywhere in the test.

One more thing is worth surfacing, because it is quietly practical. The regulations name a statutory declaration describing the relationship as one of the things a trustee can take into account. That is a document a person can make while they are alive, in their own words, about a relationship that might otherwise have to be reconstructed by strangers afterwards from bank records.

Superannuation death benefit tax is a separate question again, and the rules there do not match the rules about who can be paid. Someone can be a person the fund is allowed to pay and still be taxed as a non-dependant. That combination catches people out, and it is worth raising with a financial adviser or your fund rather than assumed either way.


Medical decision makers are appointed, not assumed

There is a persistent belief that in a hospital, "next of kin" is a legal authority, and that biological relatives outrank an unmarried partner. Neither is correct in Australia.

Being listed as next of kin does not, on its own, give anyone authority to make healthcare decisions in Australia. When a person cannot make their own decisions and has not appointed anyone, each state and territory has a statutory list of who can decide for them. In most, a spouse or domestic partner in a close and continuing relationship sits at or near the top of it, ahead of parents and siblings. South Australia is the exception. There, a partner sits in the same group as parents, siblings and other relatives.

For a partner, the difficulty is proof and pressure rather than the law. A married couple produces a certificate. A de facto couple sometimes has to establish the relationship to a stranger, at night, in an emergency department.

A person who is not a partner is in a weaker position again. Every state and territory's list includes a carer in some form, and most include a close friend, but generally below a partner and often behind relatives.

The way through both problems is an appointment made in advance. The instrument has a different name in each state and territory, and the advance care directives guide explains how it sits alongside a directive. Financial decisions are a separate document again, an enduring power of attorney. Naming the right document for where you live, and what it can and cannot cover, is worth checking with your state health department or a solicitor.


What is recorded during life is what appears after death

For trans and gender diverse people there is a further issue, and it is administrative rather than legal.

A death certificate is generated from what the Births, Deaths and Marriages registry holds. It is not written fresh. If a person's registered record was never amended, the certificate will reflect the old record, and that certificate is the document that follows the estate through banks, superannuation funds and probate for years afterwards.

Amending a registered record is possible in every state and territory, but the requirements, the evidence, and the process differ, and several have changed in recent years. This is one to check against your own state or territory registry rather than a general description, because a rule that applied a few years ago may not be the rule now.

The other half of it is the funeral itself, and that returns to the earlier point. The executor usually decides. Where it matters that a funeral is conducted in a particular way, the question of who holds that role is the practical lever, not the wishes document.


Where to get help

A solicitor admitted in your state can advise on wills, executors, and the appointment documents used where you live. Community legal centres in most states offer an initial conversation at no cost, which can be a way to work out what is actually needed before committing to fees.

For superannuation, your fund is the first call. What nomination types it offers, whether its rules recognise interdependency at all, and whether a nomination you already hold has lapsed are all questions it can answer directly.

Your state or territory Births, Deaths and Marriages registry holds the current rules on amending a registered record.

This is general information. For your own situation, speak with a solicitor admitted in your state or territory.

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Pierre Legrand
Founder, 18December

Pierre started 18December after his partner Mark was given a terminal diagnosis, when they mapped out everything that needed to happen at the kitchen table. He reviews the guides to keep them honest, plain, and genuinely useful. About 18December

Last updated 25 September 2026

Read the latest version of this guide at www.18december.com.au/guides/chosen-family-end-of-life-planning

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