Planning for Long Term Care with Advanced Directives/Living Wills

Last Updated: Jan 13, 2025

 

An Advanced Directive for Healthcare, more commonly called a Living Will, is a legal document that provides specific instructions for healthcare. These instructions come into play when the senior who created the Living Will can no longer communicate because they are incapacitated in some way. The directives can stipulate what kind of medical procedures the seniors wants, what kind they don’t want, and the conditions under which these choices apply.

 Three Keys: An Advanced Directive is one of three critical documents that all Medicaid long-term care beneficiaries should have. The other two being a will and a power of attorney.

Seniors with a Living Will are more likely to get the kind of care they want in the long run. Plus, creating these directives gives seniors a sense of ownership at a time when they may feel like they are losing control of their life. A Living Will can also help family members make difficult decisions regarding their loved one and, in the end, it will help the family feel less burden and guilt.

Some of the procedures and devices commonly covered in Living Wills include CPR, ventilators, pacemakers, implantable cardioverter-defibrillators and artificial nutrition and hydration. Living Wills can also grant consent to an autopsy, donate organs to specific people and instruct the handling of the senior’s remains (burial, cremation, etc.).

A Living Will is different than a Last Will and Testament. A Last Will and Testament addresses the distribution of your assets (the things you owned) after your death. A Living Will addresses your physical body and your health care wishes.

A Living Will can be used in tandem with another Advanced Directive, a Durable Power of Attorney, to ensure your best interests are represented even when you can no longer communicate them in real time. The Durable Power of Attorney can name a person to make health care decisions for you in the event you become incapacitated. This person, often known as a Health Proxy, will have total access to all of your health information and will act as your representative if needed.

If you don’t have an Advanced Directive for Healthcare, or a Durable Power of Attorney naming a Health Proxy, and you can’t make decisions on your own or communicate them, the state laws where you live will determine who makes medical decisions for you. This is usually your spouse if you’re married or your children if they are adults. If you don’t have a spouse or children, the state might name another family member or a close friend to make your medical decisions. Or the state may assign a doctor to your case to make medical decisions in your best interest.

While Advanced Directives for Healthcare are legal documents, they are not always legally binding. Your health care providers will do their best to adhere to your wishes, but there might be circumstances that prevent that from happening, like a complex medical situation, a provider’s better judgment or a facility’s policy.

To find out exactly how binding Advanced Directives are in your state and situation, connect with our team of professionals at Eldercare Resource Planning. We can help you create a document that will best fit your needs.

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