Please read this one
一般的情況是配偶為第一優先. 銀行帳戶的部份必要時需要走正規法院程序取得當事人的 Guardianship base on the individual is an incapacitated person
https://www.ncsu.edu/ffci/publications/1999/v4-n1-1999-spring/assisting-the-guardian.php
http://www.mass.gov/courts/case-legal-res/law-lib/laws-by-subj/about/guardian.html