Digital Estate Planning: What Happens to Your Online Accounts When You Die
Most people spend more time planning who gets their furniture than who gets access to their email. Yet a modern life is scattered across dozens of digital accounts — banking apps, cloud photo libraries, cryptocurrency wallets, social media profiles, subscription services, password managers — and almost none of it transfers automatically when someone dies or becomes incapacitated. Without a plan, grieving family members are often locked out of accounts that hold irreplaceable photos, unpaid bills that keep draining a bank account, or a cryptocurrency wallet worth real money that vanishes forever because no one else ever knew the password existed. Why Digital Assets Get Left Behind Traditional estate planning grew up around physical and financial assets that come with a paper trail — a house has a deed, a bank account has statements mailed to a known address. Digital accounts don't work that way. Most platforms are governed by terms of service that treat an account as personal and...