Oh NO! I Can't Access Mom's Account!

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What happens to your email when you pass away? Not having access to email can result in serious complications regarding online accounts, digital currency, etc. This article outlines the essential steps for integrating email accounts into your estate planning and providing a roadmap for a seamless transition of your digital footprint.

Critical Step: Designating Access for Email Management

The first step towards effective email account management is to compile a comprehensive list of all email accounts you own, including personal, professional, and any other accounts used for managing online accounts, services or subscriptions. This list should be accompanied by detailed instructions on how each account should be handled posthumously. Instructions may range from deletion, to archiving important communications, or even continuing to operate the account for a specified period of time...like for cashing out crypto-currency for instance.

Once the inventory and instructions are in place, the next step is to designate a trusted individual or digital executor to take responsibility for executing your wishes regarding your email accounts. This decision should not be made lightly, as this individual will have access to a significant portion of your personal and very sensitive information. Legal documents, such as a will or a specific digital asset directive can be used for assigning this responsibility. They not only define the scope of access granted but also ensure that service providers can legally comply with the requests of the designated individual. It is paramount to have open discussions with the chosen manager/trustee about the extent of their responsibilities and your expectations. Additionally, consulting with an attorney who is versed in digital asset planning can provide valuable guidance and help navigate any potential legal complexities associated with accessing and managing digital accounts posthumously.

Inventorying Digital Accounts, Subscriptions and Assets

As part of the estate planning process, it is crucial to take a comprehensive inventory of one's digital accounts, subscriptions and assets. This step involves creating a detailed list including login credentials, security questions and any other necessary information for access including cellphone access codes. The inventory should differentiate between various types of digital assets associated with these accounts such as documents stored in cloud storage services, online banking and investment accounts, and social media profiles. Failure to take a meticulous approach may result in your representatives being unable to close accounts, maintain business operations, or even retrieve valuable personal memorabilia such as photos, music, art or family history.

This is Google's Inactive Account Management Page

Beyond cataloging, it’s prudent to review the terms of service for each account and digital asset. These terms often dictate what happens to accounts upon the account holder's death, including how assets can be accessed or transferred, or if they can be accessed at all. In some cases, proactive measures may be necessary, such as setting up legacy contacts or digital heirs through the service provider's established processes. This step is not only about ensuring access but equally about adhering to legal guidelines and respecting privacy concerns.

Curry Andrews, Attorney at Law