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Contributor
The USAA account is in my name. If my wife survives me, what are her options regarding collecting the senior disbursement and/or the entire account?

If we are both deceased, what is the procedure for survivors collecting the entire account?

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If membership is terminated by the death of a member, payment will be made to or transferred to the surviving spouse's subscriber's account. If there is no surviving spouse, payment will be made to the deceased member's estate.

 

https://www.usaa.com/inet/wc/faq_PC_Subscribers_Account_Distribution_index