Spouses Ira Benefits Confusion

Summary

Janet is facing difficulties in understanding and accessing her late spouses IRA benefits after his death. She has received survival benefits but is unsure about the IRA. She doesnt know who the IRA provider is and has no contact information. She has a bank card of her late spouse but doesnt have the legal authority to use it. She was advised to contact the IRA provider for clarification and to consult with a probate attorney regarding the use of the bank card.

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My spouse passed away. and i cant get spouses ira benefits. But i did get survival benefits
I'm sorry for your loss, ****. Did your spouse name a beneficiary for their IRA account?
I dont think so these people wont tell or explain how it works
I'm sorry for your difficulties, ****. Have you tried contacting the IRA provider directly for information on the beneficiary status?
No i dont know who they are
Do you have any documents related to your spouse's IRA account? These might help in identifying the provider.
I got lettersayi g he had. bonds he worker for 40 year
Can you please share the name of the company mentioned in the letter? This might be the IRA provider.
Treasury bond fom mn
Do you have any contact information for the Treasury bond company from the letter?
Not with me now
I understand. When you have the contact information, reach out to them for clarification on the IRA benefits. Is there anything else I can help with?
He worked at watef department in chicago i think he kep his account with.coty
What is the name of the bank or financial institution where he kept his account?
Bank of america
Do you have access to his account or any related documents from Bank of America?
Me and sons have his bank card
Do you have the legal authority or consent to use his bank card?
No
In general, it's illegal to use someone else's bank card without their permission. You may need to consult with a probate attorney.
Thank you
You're welcome, ****. If you need further assistance, feel free to ask.