Elder clients always ask, “Is it a good idea to pay for my funeral in advance?”, and “Won’t my life insurance take care of it?” This is a nationwide concern, and a 1998 AARP survey showed about 32% of Americans over fifty have made some prepayment arrangements.
Old Augie was a tough minded 93 year old with a very frail body. He had been living alone for nearly two decades after the death of his wife, and had no children or close family. His entire life he had been independent and self sufficient. When he fell, went to the hospital, and then spent two months rehabbing in a nursing home, he was determined to get out and never go back to an institution. Like many such people, he wanted to die in his own home.
Families with loved ones in slow decline, or suddenly faced with an emergency need for care because of a stroke or fall, are fearful of the costs of long-term care and losing their home and assets. This fear can lead some to act hastily on bad information, or poor advice obtained from a relative of a friend who knew someone who had a similar need for care.
The call woke me up at 3:15am. Everybody knows a call at that hour cannot be good news. The caller said, “Your mother’s lifeline alert went off and we did not receive a response to our return call to see if she was OK. Can you check on her?” “OK”, I answered.
In 1930 congress established the Department of Veterans Affairs. Although not well known, the VA has programs that provide several types of long term care services. Veterans with service connected disabilities who are receiving a VA Pension or who meet the guidelines for low income, can get medical care, home care, assisted living, nursing home care, possibly prescription drugs, and other services.
Living wills are a relatively new development in the law. They came about due to increase in longevity and because of the dramatic advances in medicine after World War II which allows the doctors and machines to keep us technically alive although permanently unconscious or in a persistent vegetative state. Modern medicine is most often a blessing, but prolonging life where there is no hope, can be a curse.
