We all have done it. Put title in joint tenancy so that if one spouse dies, the property goes to the survivor without the need for probate.
We may do it with ailing parents. Mom died, Dad is getting older and living in the house so you have him transfer an interest to a child or children for natural love and affection so title is Dad and child or children as joint tenants. Presumably, you make sure that if there are several children, you avoid the exclusive gift problem and all the children are on side as to who actually gets the house or the sale proceeds when Dad dies.
Can you do it if Mom has Alzheimers or is in a nursing home and is incapacitated? Dad owns the house having used a power of attorney to get title out of Mom’s name and now wants to estate plan so that when he dies, the house goes to the kids without probate. When Dad dies, do the surviving joint tenant children take? Not so fast.
Section 26. (1) of the Family Law Act says that “If a spouse dies owning an interest in a matrimonial home as a joint tenant with a third person and not with the other spouse, the joint tenancy shall be deemed to have been severed immediately before the time of death.” That means the children get their interest but Dad’s interest passes by his will so that Mom’s family law rights can be protected. The children do not take by right of survivorship. Probate might be required. And you may need to ensure that you have powers of attorney for Mom in place as well. Nothing is easy. Watch out for it as an obstacle to a simple solution.