Wills and Estate Planning

Helping Loved Ones Discuss Medical Power of Attorney

For families preparing for end-of-life of a loved one, it can be especially difficult. With so much to decide, having your preferences and plans documented can alleviate some of the burden.

Medical Power of Attorney: Preparing Loved Ones for End of life

No one ever said it would be easy. Still, making end-of-life plans is best taken care of sooner than later. If your loved ones are getting older, and you haven't yet talked with them about their final wishes and burial insurance, it may be time to initiate the conversation.

How do you bring up end of life decisions?

Pick an appropriate place and time to broach the subject. These are weighty questions, and to do them justice, you'll need an atmosphere that supports reflection and conversation. When you decide the moment is right, be open and direct about it. Aim for frank, honest communication. There are big topics to discuss and possibly loose ends to tie-up such as final wishes, last will and testament, living will, various types of power of attorney designations to name just a few. At the same time, be gentle and don't force anything. Your goal is simply to explore the options.

If physical or mental frailty should become an issue, how do they want to spend their last years?

The bestselling book “Being Mortal” explores this question with compassion and depth. “We know how to prolong the life of the body, but we still have little idea how to slow the aging process or prolong the life of the mind,” Gavin Francis summarized in a book review. “Even for those who avoid dementia, the weakness and frailty of extreme old age bring a reliance on others that often requires admission to a nursing home.” Ask your loved ones about their first and second choices for the location and type of care they wish to receive. Also, ask if they have a plan to pay for their long-term care.

To what lengths are they willing to go for the chance to live longer?

The second half of the same book takes on the question of “how we can die with grace.” In some situations, medical intervention isn't the best answer, though this may be difficult to accept. As Francis pointed out, “The stunning victories of medical science over the last century have, according to some critics, left too many doctors arrogant and unwilling to concede defeat.”

It's important to ask: At what point in their care would your loved ones prefer to forgo medical interventions? Are there any interventions they know they want to avoid? Most importantly, what does quality of life really mean to them? In recent years, hospice care has emerged as a viable alternative to an older paradigm that prioritizes life at all costs. It can be helpful to get familiar with the hospice care alternatives in your area before you actually require them. Also make sure your loved one's medical power of attorney paperwork is in order.

What do their funeral wishes entail?

Ask your loved ones to envision their funerals for you. How do they wish to be remembered? Do they prefer to be buried or cremated? Where would they like their final resting place to be? What expenses do these wishes entail, and is there a plan to pay for them? Do they have burial insurance and a legal will?

While making end-of-life plans probably won't feel like a party, it is possible that the conversation could bring you closer together. Despite the emotional weight it carries, and no matter how easy it may be to avoid, this is one conversation you don't want to put off.

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All Learning Center articles are general summaries that can be used when considering your financial future at various life stages. The information presented is for educational purposes and is meant to supplement other information specific to your situation. It is not intended as investment advice and does not necessarily represent the opinion of Protective Life or its subsidiaries.

Learning Center articles may describe services and financial products not offered by Protective Life or its subsidiaries. Descriptions of financial products contained in Learning Center articles are not intended to represent those offered by Protective Life or its subsidiaries.

Neither Protective Life nor its representatives offer legal or tax advice. We encourage you to consult with your financial adviser and legal or tax adviser regarding your individual situations before making investment, social security, retirement planning, and tax‐related decisions. For information about Protective Life and its products and services, visit www.protective.com.

Companies and organizations linked from Learning Center articles have no affiliation with Protective Life or its subsidiaries.

Medical Power of Attorney

Being a medical power of attorney can be extremely tough. Making those hard end-of-life decisions for your loved ones can be stressful. Have peace of mind by helping the ones you love by making there last wishes come true as their medical power of attorney.

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