Lisa Conway – FLORIDA TODAY
Q: How can I make sure my wishes are carried out –even if I become incapacitated?
A: As we age, several practical considerations deserve thoughtful attention. Among these is the question of how to make sure our wishes are honored if a time comes when we can’t speak for ourselves. Read on for two planning tools that help us stay in control, protect our independence, and reduce stress for those we love.
Many people think estate planning is only for very wealthy people. In reality, it’s a crucial step for everyone, regardless of income, age or family situation. At its core, it’s about ensuring that your choices—medical, financial, and personal—are respected.
One key element involves preparing for the possibility of “incapacity,” or the loss of ability to conduct one’s own affairs due to illness, injury, or cognitive decline. Incapacity planning asks simply: If you couldn’t make decisions for yourself, who would you want to make them on your behalf? Answering this ahead of time allows you to choose someone you trust and to clearly outline your preferences.
Several common documents help accomplish this. A durable power of attorney lets you name someone to handle financial matters if you become unable to do so. This could involve paying bills, managing accounts, or handling property. Meanwhile, advance directives such as a living will or health care surrogate designation give guidance on medical decisions, including the type of care you want –or wish to avoid.
Without these tools, families may end up navigating costly court proceedings or guessing at a loved one’s wishes during stressful times. Having a plan helps avoid uncertainty and keeps decision-making aligned with your values. It also allows those around you to support you with clarity– rather than worry.
Beyond the issue of incapacity, estate planning includes decisions about what happens to your home, savings, and personal belongings after you’re gone. Regardless of your “assets”— a plan ensures your legacy reflects your priorities –relieving your loved ones of the burden of trying to figure it all out.
The planning process can be surprisingly empowering, opening conversations with family and providing a sense of control over the future. Remember, you don’t have to be rich to benefit from estate planning! Planning tools are helpful for anyone who wants to protect their independence and provide guidance to their loved ones.
To learn more, join us December 11th for Incapacity Happens: How to Stay in Charge and Out of Court, presented by the Estate Planning & Elder Law Center of Brevard. RSVP online at OneSeniorPlace.com/events or call 321-751-6771 in Viera.
Lisa Conway is a Registered Nurse, Certified Dementia Practitioner and Certified Care Manager for One Senior Place Care Management, Viera. Ms. Conway hosts a monthly seminar, ‘Senior Health Friday with Nurse Lisa.’ One Senior Place is a marketplace for resources and provider of information, advice, care and on-site services for seniors and their families. Submit your questions to AskOSP@OneSeniorPlace.com. For immediate help, call 321-751-6771 or visit One Senior Place, The Experts in Aging.
