When couples organize their estate plans, they usually focus on the big things — wills, powers of attorney, and beneficiary designations. But small details can make a big difference, too. One often-overlooked step is making sure your household utilities are in both names.
Here’s why that matters:
1. It prevents access issues.
In my experience of working with those who are widowed, if a utility account is only in one partner’s name, the surviving spouse is not able to change to account to their name. Instead, they are told ‘this is not your account – you will have to start your own account’. They can lose all the account history of usage, charges and payments. Adding both names ensures the surviving partner can manage bills without jumping through hoops.
2. It avoids service disruptions.
Some companies automatically close or freeze accounts when they learn the account holder has passed away. Joint names help keep essential services — like heat, power, and internet — running smoothly.
3. It simplifies estate administration.
Utilities held jointly don’t need to be transferred through the estate, which means less paperwork for executors and fewer delays during an already stressful time.
4. It’s an easy fix.
Most utility providers can add a second name with a quick phone call or online form. It’s a simple task that can spare your loved ones a lot of frustration later on.
Bottom line:
Estate planning isn’t just about legal documents — it’s also about making everyday life easier for the people you love. Taking a few minutes to add both names to your utility accounts is a small step that brings big peace of mind.
Photo by Frank Weichelt on Unsplash
