As far as conversations go,
talking with your aging parents about their future has to be about as
uncomfortable as talking with your children about sex, but it is crucial that
the conversation take place.
No one wants to think about their
own mortality, or even consider there might be a time at some point when they
are unable to take care of themselves. No matter how difficult the conversation
is to begin, it must begin. The main benefit is intended for your parents.
Some parents may be proactive in
this process and maybe they have already drafted a will and expressed their
wishes about being cared for if they become incapacity and are unable to make decision
about their future. Unfortunately many parents avoid the subject all together
because they don’t like to think about it.
First you have to decide how to prepare
for this conversation with two different topics in mind:
- Specify clear topics for the discussion.
- Determine what approach you are going to take so you can engage them.
Some of the more important topics
you may need to discuss with your aging parents include finances, your parents’
wishes regarding long-term care and possible end of life scenarios. By having a
well thought-out list of topics it will ensure you don’t forget to address
something that you probably will not be eager revisit later.
The approach you take to engage
your parents is crucial because if you are unable to get them to participate, the
conversation potentially never occurs and their wishes may go unfulfilled.
Explaining to your parents that
you realize how difficult it is to talk about getting older and no one is eager
to talk about these things, but it is necessary if they truly want their wishes
carried out. If you need to have this conversation with both parents, make sure
they are on the same page as far as their wishes. If you have never talked
about this topic with your parents, chances are they have not discussed it with
each other either.
Reassure your parents that these
are only topics you have to discuss for the future, right now they appear to be
in good health and can stay that way for quite a long time, but hope is not a
plan. If you are a single child you may have to have this discussion with your
parents alone, but it would benefit everyone to have more than one voice heard.
Single children may want to
request the assistance of an aunt or uncle and brothers and sisters should have
these conversations together with their parents.
The Specifics
Here are some specifics you may
want to consider when you do have that conversation with your parents about
their future.
Legal: Have your parents made a will? If not have they done any
sort of estate planning and do they have any attorney of record or sort of
legal documents that have been created? Some things to research include wills,
trusts, power of attorney and health care directives.
Medical: Although a health-care directive allows for a trusted
family member to make medical decisions on their behalf, it doesn’t ensure a
bunch of medical debt won’t accrue. Talk to your parents about their health
care coverage. Do they have supplemental policies to Medicare? Also, if they
are unable to care for themselves what type of environment would they be most
comfortable in?
Financial: It is important to have access to your parents’
financial records like tax returns, bank accounts, stocks and bonds, home
deeds, titles to vehicles and any outstanding debt they may own.
Obviously everyone’s situation is
a bit different, so this is not a complete list of things you may need to talk
to your aging parents about, but hopefully it will open the door so the
conversation can begin.
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