Being prepared during a time of health crisis for you or a loved one is half the battle. Decisions and next-steps can come quickly during these times, which is why it is important documents like a last will and testament, financial power of attorney and advance care directive (power of attorney for health care) are completed.
You should complete or review the following to make sure your current wishes are known:
- Power of attorney for health care (POA)/Advance care directive
- Last will and testament
- Financial power of attorney
Ruth Wagner, medical social worker for Marshfield Clinic Health System, counsels patients and their loved ones about these documents, considering their wishes and conveying that information.
“There are so many people who haven’t thought about them. We see it every day,” Wagner said. “Our goal is to guide and educate patients and families about the importance of these documents.”
If you’re 18 or older and you’re well, complete or review your documents, especially the advance care directive. Having decisions made when you’re healthy helps when your health may not be so good.
Wagner references the “4 Ds” as the life events when it is important to get documents done or reviewed:
- Death – when your primary agent, the person you choose to have authority to make decisions, has died.
- Disease – a new diagnosis is made.
- Decade – every 10 years to ensure they outline your wishes.
Power of attorney for health care (POA)/advance care directive
“If there is no POA, next-of-kin can’t make decisions outside the hospital,” she said. “If you’re incapacitated, can’t make decisions and you’re married, your spouse has zero authority to get you in a nursing home. If this document is not in place, your family will have to secure an attorney to petition for guardianship.”
If you can’t update the POA, talk to your agent and people you’ve listed about your wishes. “For example,” Wagner said, “if you get COVID and need to be on a ventilator, what do you want to have happen if you’re not getting better? Do you want to remain on life support? Do you want a feeding tube?
“It’s hard to plan when we talk to loved ones about certain situations but it is important. What if you’re not getting better? Do you want to have everything done to sustain life? Have discussions about specific incidents – a car accident, suffering a stroke, COVID. Conversations with loved ones before decisions are needed make it easier. When you’re really distressed it’s hard.”
Even if a loved one cannot be with you in person, they can help make decisions by connecting face-to-face via smart devices.
“People can help their loved ones make decisions without being with them in the hospital,” she said. “We want agents and family to know they can feel comfortable making decisions from a distance.”
Last will and testament
The last will and testament is important and matters only after you die, Wagner explained. This document can be completed by an attorney or online. To be legal in Wisconsin, only two witnesses are required for a last will and testament.
A POA and financial power of attorney are valid only while you’re living.
Financial power of attorney
The financial power of attorney helps manage your finances if you can’t do it yourself. “That’s important because if you’re on a ventilator for three weeks or in the hospital after you’ve lost functionality, how are your bills going to get paid?” Wagner asked.
If certain things are not in order and you’re incapacitated, no one can help.
Do you have a trusted person on your POA and bank accounts, so bills can be paid? Are you an authorized user on your cell phone plan?
“These are things you don’t think about,” she said.
Release of information
No information about your health status can be released to anyone if you’re hospitalized unless you’ve designated them. Have a release of information form on file with your health care provider. Include who’s important to you. Medical staff won’t release information otherwise.
“For example, if my sister calls to learn my condition and says ‘I’m Ruth’s sister’ they can’t give information unless I’ve designated that,” she said.
Make a list
Wagner advises making a list of all your financial institutions, credit card companies, combination to your safe, regular bills and account numbers. Give the list to someone you trust. So much information is electronic and not available on paper in your home.
Then make a list of people to contact, to be kept with important documents.
“If I’m hospitalized and not doing well, my husband would have a list of people I’d want him to contact so they’re informed, like family or a close friend,” she said.
“Courts say ‘preservation of life’ so we preserve life for as long as possible if you’ve never had anything documented saying otherwise,” she said. “A 90-year-old man with a hip fracture is not eating. If there’s nothing documented, he’ll most likely get a feeding tube. It’s preservation of life.”
For details about helpful forms and medical records, go to the Health System’s website by clicking on this link.
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