1) The pension is governed by its terms. Some pensions will pass to the spouse, some will not. She should discuss this with the pension administrator and check all pension-related documentation.
2) An asset of your husband's that is not joint will pass according to his will (if he has one) or by operation of law, or intestate succession, if he does not. Presumably it will pass to you (though you should verify this--he could will it to a child, relative, charity, etc.), but even if it does, it will have to go through the probate process, which could tie the assets up for some time. If having immediate access is a concern, he should either make it a joint account, or open up a separate joint account that will at least have enough money in it to tide you over for a while.
If it is not a joint account and you do not have a beneficiary designation on file then you will have to wait until you or someone is appointed as personal representative of his estate to access the funds.
As for his pension, it depends on the rules of the plan and again, if you are the beneficiary of the pension if it so permits.
You should cantact the bank and pension administrator to discuss these issues as well as an estate planner. They are not something to leave until the last minute. Good luck.
IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you go to AttorneyPages.com and retain an attorney to represent you.