Planning for our death

PLANNING FOR OUR DEATH

As the saying goes, there is no avoiding death and taxes. This page is not about taxes.

Step 1 is deciding who to trust.

Then, at the least, give the trusted person(s) access to your primary email account(s), tell them how to log into your devices (desktop computers, laptops, tablets, phones) and give them the passwords for your financial services, be they apps or websites. Apple users should provide their trusted people with both their AppleID password and the iPhone unlock code.

Apple has a whole system for this called the legacy contact, but I can't see that it is worth bothering with. Microsoft has no such system, neither does Google. Neither do the 894 other companies you deal with.

How do social media platforms deal with dead users' accounts? by Diego Mendoza for Semafor. May 8, 2023. Both Facebook and Instagram have a 'legacy contact' system. YouTube allows users to assign an Inactive Account Manager. Again, rather than deal with each company individually, just tell someone you trust how to get at your passwords.

Planning for the future: it's one thing to give someone all your passwords, but passwords get changed over time and new accounts are always being opened.

More planning: what to do in 10 or 20 years when you no longer trust the person you gave all your passwords to? If you use a Password Manager you could just give your trusted person the master password and then a decade later, change the master password and give the new one to your new trusted person.

May 8, 2023: Planning for the final digital divide by Susan Bradley for AskWoody.com. This is behind a paywall.

December 28, 2022: 6 easy fixes to avoid tech headaches in 2023 by Heather Kelly for the Washington Post. Topics in the article include preparing for your death.

IOS

You can save your loved ones grief, if you share with them your iPhone passcode and/or your iCloud credentials. Apple has a complicated system, called Digital Legacy, for allowing your survivors access to most, but not all, of your data.

How to access iPhone content when someone passes away by Joseph Keller and Adam oram (June 2022). Without the passcode Apple won't (and often can't) unlock an iPhone. If you don't know your loved one's iCloud password but you do have access to their iCloud email address/userid, you could use that email to reset the password for the iCloud account.
Apple Digital Legacy was introduced in iOS 15.2 and macOS Monterey 12.1. On iOS its at: Settings -> Your name -> Password & Security -> Legacy Contact. Your Legacy Contact(s) can be anyone, they do not need an Apple ID or an Apple device. There can be up to five contacts. Apple creates an "Access Key" which the surviving person needs to store, and not lose. To get your data, the survivor has to contact Apple, provide a death certificate and hope that Apple approves it. The survivor does not get iCloud Keychain, payment information, subscriptions, and licensed media. It strikes me as ridiculous to assume that this system will still be in place, unchanged, in 10, 20 or 30 years. Probably better to just share passwords.
Set it up: How to add a Legacy Contact for your Apple ID from Apple. How to set up a Legacy Contact on iPhone and iPad by Adam Oram (May 2022) has many screen shots of the process.
Limitations: Data that a Legacy Contact can access from Apple. Published May 2022.
Using it: How to request access to a deceased family member's Apple account from Apple (April 2022)
The iPhone Feature to Turn On Before You Die by Joanna Stern in WSJ (Dec 2021)