That may sound a little morbid to some but for many it's a situation that needs to be addressed after a loved one dies.

If you're an heir and your name isn't on the account, the account is off limits until the estate is settled in court.

Now if your name is already on the account or you're included in a living trust, you shouldn't have any problems.

According to an article on the dollar stretcher.com, there are many hurdles to cross if you don't have the names correct on accounts after a spouse or parent's death.

Many times survivors think they have access to an account only to find they don't because of the ownership structure.

If you have questions regarding any legal questions, you should consult an attorney.