Passing Down Passwords: How Older Adults Approach Postmortem Account Access and Digital Estate Planning

Traditional estate planning practices enable people to provide their heirs access to the assets left behind but are often insufficient for the transfer and management of online accounts. To understand how estate planning practices could be improved, we conducted 21 semi-structured interviews with older adults in the United States that explored their practices, concerns, and needs regarding postmortem online account access and management. We encountered few formalized digital estate planning practices; many participants use their credential management practices—primarily pen-and-paper—to provide postmortem account access. How participants envision account transfer is motivated by trust in their current practices and in their heirs, while concerns regarding technology hinder adoption of new methods. Participants consistently prioritize accounts with financial assets, and expectations surrounding postmortem account management vary based on individual circumstances, with the common goal of reducing burdens on executors and heirs. Our results suggest the need for developing technical standardization and expert guidance for digital estate planning.