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The emotional strain of losing a loved one is often compounded by the stress of needing to handle a host of administrative and legal matters. Some of these include settling the estate, closing accounts, and, in some cases, even searching for evidence of potential wrongdoing. Doing all this often requires accessing your loved one’s online accounts, a process that can be extremely challenging if you don’t know where to begin. In this article, you’ll learn why accessing these accounts is so important, how you can do so, and how you yourself can ensure your accounts are accessible to those who will need them.
Why Accessing a Loved One’s Online Accounts is Important
Online accounts are often a repository of vital information and resources that families need to manage after a loved one’s death. For instance, email accounts may contain important billing statements, insurance details, and legal communications. Meanwhile, financial accounts may need to be closed, used to settle debts, or used to collect benefits owed to the deceased. Online health portals may also store records that can be indispensable for resolving outstanding medical claims or understanding familial health history.
In cases of suspected elder abuse or neglect, accessing these accounts can provide vital evidence, whether it’s suspicious bank transactions, purchases, or email correspondence.
Steps to Take to Access a Deceased Family Member’s Account
Gaining access to your loved one’s online accounts is a complex, multi-step process. In most cases, you will need to take the following three steps:
Obtain a Death Certificate
The first step in accessing a deceased loved one’s accounts is to obtain their death certificate. A death certificate serves as official documentation of the person’s passing and is typically required by companies and institutions to verify the death.
You can obtain a death certificate from the vital records office in the state where the person passed away. In New York, for instance, you can request one through the New York State Department of Health. Ensure you have proper identification and necessary documentation, such as proof of relationship to the deceased.
Gather Proof of Your Legal Right to Access the Account
When a person dies, the executor of their will is designated to manage the deceased’s property. The executor is responsible for overseeing the estate. However, if a person dies without a will, you may have to go for probate and apply for an order appointing you as the estate administrator. This process can be complicated, and you may want to seek the advice of a probate attorney.
If there is a will, the executor will have legal documentation to access a deceased person’s accounts. Without a will, you will generally need to obtain a court order, letter of testamentary, or other legal document that shows that you are to represent the deceased person in legal matters. Due to privacy laws and policies, companies will not legally allow access to accounts without this documentation.
Reach Out to the Company
Once you have a death certificate and proof of your legal authority, the next step is to contact the relevant companies or platforms. Each company has its own policies and procedures for granting access to accounts. For instance:
- Apple: The Digital Legacy program enables an authorized person to enter a defunct user’s Apple account.
- Google: Google has the same process, where members submit the necessary documents to their support portal.
- Chase: Chase Bank’s estate services govern the financial accounts in their system.
When contacting companies, prepare to present more information if requested, since the needs may differ.
Preparing for the Future: How to Ensure Your Loved Ones Can Access Your Accounts
Organizing your own digital and financial accounts in advance can help your loved ones avoid potential challenges in the future. Here are three strategies for doing so:
Use a Password Manager
Password managers can store all information, such as usernames and passwords, for all your online accounts in a central and secure place. These tools often integrate with your web browser, allowing you to enter your login details with the click of a button, easily save information about new accounts, and even increase digital security with the use of randomized passwords. Some password managers also have a feature that allows you to set a trusted contact who will be allowed to access your account in case of emergency or death.
Document Your Accounts
Create a detailed inventory of your online and offline accounts. Note any special instructions for accessing these accounts, along with usernames and passwords. Organize this information into a clear and accessible document. Store this document securely, such as in a safe deposit box, and ensure your executor or a trusted family member knows where to find it. Updating this list regularly is essential to ensure its accuracy, as passwords and account details change over time.
Create Legal Protections
It is important to ensure that your estate plan accounts for your digital assets. An estate planning attorney can help you create a will that includes information on how to close accounts or disperse remaining funds in existing accounts. A power of attorney, a legal document that gives a named person the mandate to control your accounts in case you are incapacitated, can also be a useful tool.
How a Lawyer Can Help
Navigating the legal and procedural complexities of accessing a deceased loved one’s accounts can be daunting. Attorneys specializing in estate planning and probate can assist with court matters and help comply with bank and creditor policies.
If you’re in the unfortunate situation of believing your loved one has been a victim of elder abuse, then a personal injury lawyer with experience in such matters can assist you in getting access to specific accounts and looking for proof.
Do You Believe Your Loved One Suffered From Abuse? Call Dalli & Marino
By understanding the steps involved in accessing a deceased loved one’s accounts and planning for the future, you can better protect yourself and your family during difficult times. Taking proactive measures can also prevent future similar challenges for your loved ones.
If you believe your loved one was a victim of elder abuse, do not wait to seek help. Dalli & Marino can support you in uncovering the truth and pursuing justice. Our experienced team is dedicated to handling sensitive cases with professionalism and care. Contact us today.
