I would like to know how to do this as well. I am in the exact same situation and I have been told that the IRA cannot go to my siblings and me — that it has to go to pay my moms creditors.
My father passed in December 2018, with an IRA. My mom was the sole beneficiary, and it did not get in her name before she passed in February 2019. I am the executor. The IRA is now in my mom’s name, but it’s just sitting there. It’s not a large amount, but it would be helpful to us kids.
