Use family time to discuss future caregiving plans.
Drinking coffee on the porch this gorgeous autumn morning ("Florida Autumn,” which means it's 73 degrees and not a leaf in sight dropping), I thought about the upcoming holiday season. Families and friends will gather to celebrate, bond and honor memories and traditions. Many people will travel to see loved ones they typically don't see most of the year. And during this time, caregivers of all types (past, present and eventual) will be hard-pressed to not think of their loved ones’ health and well-being and what the future holds.
Although the subject may seem gloomy, the holidays present a golden opportunity to have meaningful conversations about creating a care plan that will guide your loved ones in helping each other out in case of emergencies or advancing years. While “Have you thought about dying, please pass the sweet potatoes” may not be the way to broach it, talking about your wishes openly and matter-of-factly will set the tone and start the process.
Designate a health care surrogate
The first step toward formalizing your family care plan is to execute health care surrogate designations.
A health care surrogate designation is a legal document that appoints a person to become your “surrogate” if you become incapacitated. (Incapacity is defined as the physical or mental inability to manage your affairs.) The designation document gives your surrogate legal authority to talk to your doctors, manage your medical care and even make medical decisions for you if you cannot do so.
You can also create a designation that gives your surrogate authority to act on your behalf even if you are not incapacitated. This can be helpful for caregivers, especially if a loved one has a chronic illness and may have the mental capacity to decide their course of treatment, but may not have the energy to manage their medical care. It also may come into play if a loved one is under influence of medications that make it difficult to talk to doctors and remember the conversation. If you are contemplating a surgery with a long recovery time or facing a long-term health issue, creating this kind of surrogate designation may be the right choice.
No matter the kind of surrogate designation that is right for you today, what is important is that you create one without delay. At this time, less than 40 percent of Americans have a health care surrogate. That means 60 percent of us are rolling the dice on what would happen if the unexpected occurred. While most of us hope for a long and healthy life, catastrophic events can happen anytime to anyone. And tragedies are only compounded when we are left to guess what an incapacitated patient would want for their medical care or, even worse, when the patient's loved ones disagree about how to best help the patient.
Health care surrogate designation documents are readily accessible for free online, are easy for most people to understand, and (in most cases) can be filled out in the comfort of your own home. It can't be said enough: every person over age 18 should have one. That means every adult at your holiday gatherings, from the college students to great-grandparents can and should join the conversation about a family care plan. You can also speak with an Estate Planning and Elder Law Attorney about preparing these documents for you too.
If you are the bold and intrepid holiday guest who will start the conversation on planning and health care surrogate designations, here are some talking points to guide you.
How to choose the right person
Several considerations should be taken into account when choosing the best surrogate, such as:
Location: In the event of a medical emergency, would the surrogate be able to be at your bedside or would they be managing from a great distance? Is there a local choice who would be more available to help with your needs?
Trustworthiness: Is the potential surrogate dependable? Do they have a history of shutting down in times of crisis? Do you believe that they will follow your wishes or will they be unable to set aside their own beliefs and opinions if they differ from yours?
Physical and mental ability: Will your named surrogate be physically able to help you? Are they struggling with their own health issue or advancing years? Are they prone to unpredictable behavior or mental illness that would make them unfit to objectively handle your medical needs?
Tenacity: Any caregiver will tell you that acting as surrogate is not for the faint of heart. A surrogate must be persistent, be the squeaky wheel with medical providers and be unwavering in their desire to help you.
Willingness: Is the surrogate going to be ready, willing and reasonably available to help you if a crisis struck today? While you are thinking about this, you may wish to offer to serve as surrogate for relatives or friends whom you would be able to help if they needed it. In my law practice, I see clients frozen by indecision because they don't know if the person they want would want to serve. Offer your helping hands, before being asked.
Naming who you want is more important than sparing feelings: Your future medical life is too important to consider “people pleasing.” Your closest relative (like a spouse or child) flat-out may not be the best choice to be your surrogate. Your children may have horrible sibling rivalry that would certainly not end during a medical crisis and butt heads as co-surrogates. Do not be guided by a desire to avoid hurt feelings. If your best friend is the person you trust who meets all the other factors, then name him or her. If you know one child is responsible and the other is not, then name the responsible child. It's far more important to have the person you feel most confident in than the “obvious” or “peacemaking” choice.
Nothing is set in stone
As you move through this list of considerations, do not fret if you aren't 100 percent confident in your first choice. First, your health care surrogate designation can, and should, name alternate surrogates in the event your first choice is unable or unwilling to serve. Second, you do not need to imagine what your surrogate will be like 10 or 30 years down the road. It's more important to consider how they are today. Also, you can create a new health care surrogate designation with ease if your wishes or circumstances change.
Make your health care wishes clear
Remember, the surrogate is only as informed as you make them. So, when you appoint your surrogate, talk to them about your medical and end-of-life wishes. If they don't know what you would want, they should make decisions that they believe are in your best interests. And although it seems like a no-brainer, make sure they have copies of your designation document. A missing document is just as useless as no document at all.
Inaction may be hazardous to your health
Finally, be ready if you are met with resistance or the question arises: “What happens if I do nothing?” The fact is that not choosing a surrogate designation leaves everything up to chance. Many states have default surrogate laws that address who could act on an incapacitated person's behalf, but the default surrogate may not be the person you would want. Further, a court may be called upon to appoint a guardian for the incapacitated person. As discussed in prior articles, guardianships can be extremely expensive and also run the risk of someone you wouldn't want (or a stranger) making decisions about your medical care. The stakes are simply too high to leave it up to fate. And if you're met with total resistance to the conversation, it's OK. You can always try again to impart to your loved ones how much these matter and why.
So, as you're preparing your casseroles and gathering your courage to have these difficult but oh-so-important discussions, check out the ample online resources that will guide you to conversation starters about health care surrogates and the free state-by-state forms that you can print and fill out together. I wish you and yours the very best of luck in creating a care plan and good health to you all this holiday season, and always.
Article is from the AARP Daily and is Written By:
Amanda Singleton is a recipient of CareGiving.com's national Caregiving Visionary Award and serves caregivers across their life span through her law practice.