Could your family access your secrets in an emergency?

Several weeks ago I was sitting at the dining room table with a family friend going through a stack of documents and letters. Her husband had passed away suddenly some weeks before, and I was doing the best I could to help her untangle the paperwork and understand what was what. This unfortunate scene made it clear to me that sudden illness or death of a family member may require us to access files that they have, for many reasons.

Imagine that you were to become temporarily incapacitated for whatever reason…

• Can a family member log in to your computer, as yourself, in order to access your files?
• Can your spouse access your online banking details so the bills can be paid?
• Can your family find your insurance information that you scanned and filed away?
• Is there someone who can log in to any online accounts that need care and feeding?

Not a pleasant subject, indeed, but one that worries me from time to time.

One way to address these needs is to keep all of your passwords and so forth in one special place, using a password safe application, and make sure someone else has the access code. For example, you can use a tool such as 1Password or SplashId to store hundreds of secret bits that you use all the time, and your family might need.

You might consider writing down the master passwords that control your life and sealing them in an envelope that you provide to a trusted family member. Since this is such a great security risk if found by the enemy, you might want to omit any identifying information from the note. Impress upon them the need to secure the document very well.

Perhaps you can choose the same master password with your spouse, with one relatively short password locking your computer and a long secure password locking your password safe application.

Regardless of how you address these issues, sit down with your better half (or trusted family member) and review where documents are and how to access them.