On Death & Dying
By the sound of the posts this week, I'm dwelling on death lately. I'm really not any more than my over-active, paranoid brain usually thinks about what would happen if...{fill-in-the-blank with any horribly sad newspaper headline ending in "leaving behind a devoted husband, two small boys, two giant dogs and three aging cats."} Regardless, these issues of estate planning must be attended to during our active lives to make everything easier on those who we leave behind if....
An Online Presence
I can count on one hand my friends and family members who don't have at least a Facebook account. Yet most have Facebook, Twitter, maybe an old MySpace page, a YouTube account, a blog {or two}, a Flickr or Tumblr account, a LinkedIn page and/or a host of lesser known social media networking sites. And I am going to venture a guess that just about everyone in this country has an email address; even my 87 year old grandma checks and sends email daily. Many people have e-trade accounts with passwords that change frequently or simply do all of their banking and bill paying online, etc. The list of online accounts is endless. We are one big online community.
To which of these groups do you belong? Do you have your accounts and passwords written down somewhere safe? Does your spouse or significant other, parent, child, friend or sibling know your passwords to these accounts? Your answer is probably no. More than likely you keep the passwords in your head and have shared them with no one.
So, what happens if you go to bed and don't wake up in the morning; or on the way home from work, your car is struck and you die? What will happen to your online digital legacy? Will your pages and accounts remain open and online? What do you want to happen to your blog(s) or other online writings, photos, etc.?
Last Digital Wishes
These are issues that have not traditionally been addressed when getting your estate plan in order, but these are now important issues if you have any online accounts. You might want information and photos from Flickr, Tumblr, YouTube, a blog, Facebook, etc. to remain visible and public for friends and family to continue to view, remember, feel close and mourn, but perhaps, you want an investment account, LinkedIn and a PayPal account closed.
On the flip side, if you don't record your wishes regarding your digital legacies, your family might think they should remove all online accounts, pages, etc. immediately. Yet, friends and family, especially those across the miles, may feel doubly sad and lost, losing all written and photographic memories of your times and experiences together.
Regardless of what you wish to be done with your accounts, you must record the information, share it with someone or use a service that will store, back up, secure, get rid of and/or notify loved ones with pre-written letters or videos, etc.
There are several services that have multiple levels with various price points depending on what services and the number of accounts you have. Here are a few to check out: Legacy Locker and Entrustet.
The Digital Afterlife Experts
Evan Carroll and John Romano run the site The Digital Beyond that is dedicated to all things regarding online digital legacies. They recommend naming a digital executor to handle all of your online information. A digital executor must understand the technology involved and that may not be the executor of your estate. Carroll and Romano further suggest making an inventory of the name of the account, passwords, etc. and what you want done with each of the accounts. You could use my free Financial and Legal Documents Records Book download for this purpose.
Terms of Use and Privacy Policies Regarding Death
It's important to review the terms of the online platforms you use to ensure your directions to your digital executor or other pre-designated arrangement upon your death do not violate the Terms of Use of Privacy Policies. For instance, you may not be able to transfer some online accounts to another person.
Twitter and Facebook do have policies handling the death of a site participant, which have some good points and are lacking in other ways. Facebook apparently allows for a memorialized page, but based on the number of comments from distraught family members of deceased Facebook users whose profiles have suddenly been removed or locked, Facebook needs to revisit its policy terms on this subject. The Digital Beyond lists other sites and their policies here.
Other Resources
This is a developing area of information. In the last few months there have been a number of articles written about this topic:
After Death, Protecting Your 'Digital Afterlife'
Digital Estate Planning: The Importance Of Giving Access To Online Accounts
If you are concerned about digital information left on computers, but not online, such as financial records, photos, articles, drafts of literary or scholarly works, etc. read this article from the Wisconsin Lawyer by Nathan J. Dosch and Joseph W. Boucher where they address property rights, transferability, copyright issues and other matters concerning digital records stored on a deceased computer.
The Scoop
All in all, the moral of the story when it comes to estate planning is to, well...plan ahead. So, be prudent in how and where you list account numbers, passwords, user names and PINs, but do provide an inventory whether it's a list left with your attorney, in a Financial & Legal Records Book like the one in yesterday's post or through an online service, as referenced above.
It's a relatively simple process, but it does take time to keep it up-to-date and involves more than a pen and a stack of post-it notes stuck around the house {which is my preferred method of reminders and bits of important information}. Although 1 or 2 post-it notes left in strategic locations reminding you to take care of your online digital legacies is probably a good idea. Over and out...
Anna
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