Thinking about end-of-life matters generally brings to mind thoughts about funerals and final resting places. That’s certainly part of the equation but outside of sudden death, there’s probably going to be more to face before you die. Preparing for your end-of-life needs happens long before you are sick or have an accident.
In the same way that you value having medical insurance and retirement plans, you should also value things like:
✔A will or trust
✔Life insurance
✔An advance directive
✔A designated medical decision-maker
✔Additional income sources outside of retirement
✔Successor guardians for dependents
These are simply a few of the important safeguards that should be in place to protect you and your loved ones if something happens to you and you can’t care for them.
Protecting yourself legally, financially, and medically is an important step towards making sure things are in order and you benefit from your pre-planning. How?
By avoiding burdening your family with making difficult decisions for you
By preventing your estate from going into probate
By securing care and comfort for an illness, accident, or hospice
By ensuring your children or dependents are protected and provided for if you die
By providing income to your family for their wellbeing
By making sure someone you trust manages your health care if you are injured or sick
This is not an exhaustive list of benefits that planning provides but it does give a healthy snapshot of how many things you can protect and provide by taking time to do some planning.
You don’t have to make these decisions alone
While these are personal and important decisions that you must ultimately make, you don’t have to make them alone. There are professionals whose job it is to help you make and solidify your decisions as well as legally bind them so you are sure to be protected if/when you need them.
Here’s an idea of who can help:
Generally, you can make a lot of decisions on your own but you may want some advice from a professional before making a final decision.
Legal help:
Will and probate attorneys
Trust attorneys
Financial help:
Retirement planners
Investment planners
Insurance agents
Medical help:
Primary care physician
Funeral/Burial planning professionals
These providers can help you sort through the choices available to you for your legal, financial, and medical needs. From preparing for retirement and earning and saving money to cover care and end-of-life expenses to making sure your wishes are carried out and your estate and your healthcare are managed in the way you desire. Each of these issues can be managed and coordinated with the help of a professional.
There are things you generally don’t talk about in polite company- politics and religion top the list. Being considerate about tricky topics is a good thing. Avoiding uncomfortable things helps people feel at ease but sometimes you have to get comfortable talking about uncomfortable things.
Talking about death, dying, and making plans might feel morbid but it is a necessary part of living. Being able to share your thoughts about things like:
What sort of care you consent to in the event of an accident or injury
If you want to be revived or kept on life support
Where you want to live in the event you can’t live at home
Who should make medical or other decisions on your behalf if you are unable
Your thoughts on funeral planning and burial options
And more
One of the reasons it’s so hard to talk about uncomfortable things is the feeling there is little control. The truth is, if you do not have plans in place, you’ll have very little control but if you do have plans in place, much of your care and aftercare is well within your control. All the more reason to have tough talks!
Here are some tips for getting comfortable talking about uncomfortable things
Tip #1. Do your homework- The more you know about a subject, the less uncomfortable it is. There’s nothing you can’t learn about any subject connected to the legal, financial, and medical aspects of end-of-life care. Educate yourself and you will be well equipped to have intelligent and easier talks about the subjects.
Tip #2. Prepare your audience- If you are going to have an uncomfortable discussion, prepare your family or friends beforehand. Don’t blindside someone with a tough talk they may not be emotionally ready for. Instead, give them time to get ready and be mentally prepared to absorb what you need to share.
Tip #3. Practice- The more often you talk about uncomfortable things, the easier it will be. Start with professionals like clergy, medical staff, or attorneys before chatting with family or friends. Practicing your conversation will help you find the best words to use as well as become more comfortable speaking them.
Some conversations are going to be tough no matter what. Being able to speak about uncomfortable things more comfortably helps those who depend on you feel safer and more prepared to help when the time comes. Get comfortable by doing your homework, prepping your audience, and practicing your conversation beforehand.
Thinking of end-of-life matters can feel uncomfortable and cause some anxiety. It isn’t common to think about the end of life when it seems so far off. Planning for retirement might feel more comfortable because the thought of spending time doing the things you love – rather than working towards retiring – is exciting and rewarding after a long career; however, it’s just as important to think about and plan for the inevitable winding down of life.
There’s no easy way to think about death or even an illness or accident. It’s much easier to think about being vital and healthy. Focusing on health is important. Doing the things you can to stay healthy – like eating right, exercising, and keeping a healthy mindset – is sure to help keep you fit and focused on a great life. Not thinking about end-of-life matters won’t make the inevitable any easier or make it go away. One thing we all have in common is we are going to pass away – we just don’t know when or how. It’s life’s biggest personal mystery.
End-of-life planning matters because there are many things you can do to make things easier for yourself and your family. There are steps you can take to be ready if/when you face an accident, an illness, or your life ends. Many people are afraid to “tempt fate” or “bring about what you think about.” These are immature ways of looking at a very mature subject.
End-of-life planning isn’t just about your funeral. It’s about important aspects of living such as:
Protecting your assets
Having important medical documents if you are unable to communicate
Having income for retirement, illness, or long-term care
Communicating your wishes with others
And
Pre-need funeral planning
It might feel strange thinking about or taking action regarding end-of-life matters but, like anything else, the more you engage in the tasks, the easier and more natural they will feel. Before you know it, speaking to professionals about your needs and sharing the information with your family will feel a lot less odd and a lot more responsible – something to be proud of.
Don’t let the fear of the unknown and the morbid aspects of end of life planning scare you. Be brave and do what it takes to plan ahead so you and your family are prepared and ready when your start to face end-of-life issues.
5 Tips for Decreasing the Cost of Caring for Elderly Parents
Roz Jones
Over 30 million Baby Boomers provide countless hours of
assistance to elderly parents at no charge. It is estimated that, using average
hourly wages, the total amount of this uncompensated care is comparable to the
entire Medicare budget. For the estimated 7 million Boomers who provide long
distance care, actual out of pocket expenses amount to almost $5,000 per month.
For caregivers who have, or are considering leaving the workforce to care for
an ailing parent, the costs are even greater over $650,000 in forfeited
salaries, benefits and pensions.
This stark economic reality shows only one dimension of the
price caregivers pay for this act of love.
Caregivers pay with losses that extend well beyond their
bank accounts. They often forego the activities that bring joy and richness to
their lives, like meeting friends for dinner, or going out to the movies or
taking family vacations. They pay with their time, the loss of professional
opportunities and the erosion of personal relationships that result in
isolation.
Sometimes, otherwise healthy loved ones need a short dose of
care as they recover from an acute medical episode like a broken leg. Usually
loved ones are on a path of steady decline with cascading assistance needs.
Some caregivers sacrifice large chunks of their own lives as they help their
parents and other family members and friends peacefully make their transitions.
Caregivers can pay with their own health and well-being. In fact, we have
evidence that some caregivers pay for their acts of care with their very lives.
You can decrease the personal and economic costs of
caregiving. This means proactive planning rather than reactive responding.
Planning saves money. You know this as you reflect upon your experiences of
going to the grocery store with and without a shopping list. Planning also
minimizes personal wear and tear and decreases stress. You will feel much
better when you know your options and develop back-up plans before you jump
into a challenging project.
5 Tips to Decrease
the Cost of Caregiving:
1. Begin the
conversation today. We have tremendous cultural resistance to the
recognition of aging, disability and death. Just as the first few steps uphill
are the hardest, so, too, you may meet the greatest resistance simply starting
the conversation about their possible need for care. Say today, Mom and Dad, it
would be great if you lived forever, but the discovery for the fountain of
youth is nowhere on the horizon. What thoughts and plans do you have about
enjoying your golden years?
2. Create a plan.
Talk with your parents about their ideal plan if they are no longer able to
care for themselves. Then, start to work toward that proactively. Investigate
long-term care insurance. Draw up the appropriate legal documents. Find out who
would make medical choices if they were not able to make them on their own,
along with some guiding principles for the choices. You can anticipate and
limit parental resistance by saying, Mom and Dad, I just got back from the
lawyers office signing my will and durable medical power of attorney. I’ve
asked Mitch to make my medical choices if I cannot make them myself. Just so
you know, if I were in vegetative state, I wouldn’t want to be maintained on a
machine. You probably already planned ahead too, right?
3. Use personal and
community resources. Make caregiving a family job to which each member
contributes. Even children can make grandmas life special with drawings and
phone calls. Identify services that make your job as a caregiver easier. If you
and your parents live in the same community, check with friends and neighbors
and local organizations to learn about services and resources that will make
your job easier. You say, Mom has just moved in with us, and she wants to find
a card game with the girls. Do you know of any senior centers that have social
events? How about transportation?
Were a mobile society and millions of caregivers live more
than an hour away from their parents? Executive William Gillis learned from his
own personal experience how challenging it is to identify community resources
from afar. As he was carving the path that ultimately led his on-line portfolio
management service, he became the caregiver for his father. Talk about mixed
emotions! Professionally, he was introducing a service that let millions manage
their investments with one click of a computer mouse. Personally, he was
investing untold hours just to find one bit of information to help his dad.
As with so many innovators, he used his personal and
professional experience to launch Parent Care, a service that he wished would
have made his life as a caregiver-at-a-distance easier.
4. Gather
cost-savings tips. This might mean something as simple as ordering generic
medication or regularly inquiring about senior discounts. But, most cost
savings opportunities aren’t as obvious. Mr. Gillis found, for example, that
some states will pay for phones for hearing, visually or mobility limited
seniors or fund home safety improvements. He said, we’ve invested heavily to
locate time and money saving resources that most would have difficulty finding.
I made it a personal mission to help other caregivers avoid some of the costs
and frustration I encountered. You don’t have to re-invent the wheel. Tap into
the resources others have collected.
5. Take care of
yourself. You will be able to provide the best care as a caregiver when
you’re at your best. Get good nutrition, enough sleep and regular exercise.
Manage your stress and do a little something every day to nurture your soul.
Understand that you are at increased risk for anxiety, depression, and weakening
your immune system. Talk to your doctor if you see worrisome signs such as
problems sleeping, changes in appetite or loss of interest in activities you
enjoy.
Despite the costs, most caregivers say that they received
much more than they gave. Most say they would do it again, and many do.
Sometimes the question is not the personal cost of
caregiving; it’s the value that you bring to the lives of others that matter at
the end. What personal cost are you willing to pay for the privilege of helping
those who welcomed you into the world to enjoy their golden years and travel
the road of illness with love and dignity?
If the job of being a caregiver only involved giving help to
your aging parent such as doing the dishes and helping fill out the Medicare
paperwork, your life would be considerably easier. And if that were the case, even if there was
a lot to do, the problem of caregiver burn out would not be such an issue.
But the real drain on you and even on the senior citizen you
are taking care of comes in the emotional toll that the care giving
relationship brings with it. Because the
“assumed understanding” of the care giving relationship is based on the
extended giving of a very large favor, guilt becomes a common element in every
aspect of the time you spend with your aging parent.
It’s very easy for the senior citizen to feel guilty for
asking you for the work you do to take care of him. It’s a strange situation because in most
cases, they never asked. You may have
stepped in because you saw your parent’s life beginning to unravel and you knew
that someone had to help get his retired life organized. And yet, the senior citizen feels a lot of
guilt because you are giving him huge amounts of time and that is time away
form your family and maybe your work to do things for him unpaid and very often
without thanks.
It doesn’t help that the time of transition from
independence to assisted care is one of huge loss of self esteem for your aging
parent. There are a lot of tremendous
changes that happen in rapid order for y our parent and they happen in areas of
life that have remained unchanged for decades.
If inside of a year your mom or dad go through a loss of their home to
go live in an assisted living facility, loss of mobility because they cannot
drive and loss of independence because everything is being done for them, that
causes a lot of negative emotions. Guilt
makes its appearance because they feel irrationally that if they had not grown
old, this would never have happened.
But guilt also is an issue for you, the caregiver. There always seems to be something more you
could be doing for your parents. It
doesn’t help that the senior citizen you work so hard to care for also inflicts
guilt on you by whining, “I wish you never had to go home” or by complaining
about their lives and getting angry.
So what can be done about all of this guilt? Guilt doesn’t make the relationship better
and it doesn’t improve the quality of life for the caregiver or from the senior
being cared for. So whatever we can do
to shut it down would be a positive step for both parties.
Probably the most proactive thing you can do about guilt is
confront it directly. Sit down with your
aging mom or dad and get those guilt feelings out in the open. It’s not their fault they got old. Your parent should not feel guilty about being
cared for by you. After all they cared
for you for decades when you were just a child and young adult.
But taking the teeth out of guilt, you have a real chance of getting that out of your relationship. By learning not to put guilt on each other, you become a team in care giving, not combatants. And these are positive steps toward a healthy senior citizen and caregiver relationship.
The Caregiver Cafe 