End-of-life planning in Kentucky

What's specific to Kentucky

• Will witnesses: 2 adult witnesses (notarisation optional but advised; it turns the will into a "self-proving" will, simpler at probate).
• Advance directive notarisation: Not required in Kentucky, but encouraged.
• State directive registry: No state registry; give copies to your proxy, primary care doctor, and local hospital.
• Small-estate threshold: $30,000. Below this, formal probate may be skipped via a small-estate affidavit.
• Probate timeline: Typically 8–14 months. Kentucky has an inheritance tax (separate from estate tax).

Where to get the official forms

For an advance directive, the Kentucky authority publishes the form here. It is free. Many state forms include both the living will and the healthcare proxy on a single document, signed once.

For a will or estate plan, the cleanest start is your state bar's lawyer referral service: Kentucky Bar referral. A 30-minute consultation typically costs $25–$45, often credited against the engagement if you hire. For simple estates, a national online service like Trust & Will or FreeWill is fine; see our comparison of online wills.

The four things to do, in order

1. Advance directive (living will + healthcare proxy). Most urgent, often free.
2. A will, online or with an attorney.
3. Funeral or cremation wishes. At minimum, in writing.
4. A small final expense policy if your family does not have $15k in liquid savings.

If you have just lost someone in Kentucky

Start with our 15-step checklist: What to do when someone dies. The funeral home will guide you through the immediate paperwork. For probate, contact a Kentucky-licensed estate attorney through the bar referral service above, or use the small-estate affidavit if the estate is below $30,000 and contains no real estate.

What this page doesn't cover

We have given you the major facts that matter for most Kentucky residents in 2026. Edge cases (community property, second marriages, business succession, special-needs trusts, Medicaid lookback periods, agricultural property, tribal jurisdiction) all require a Kentucky-licensed attorney. Statute changes happen most years; if anything on this page differs from your state bar, your attorney, or the Kentucky Department of Health, follow them.