Savvy Senior: Tips and resources to create a living will
Dear Savvy Senior: What’s the best way to go about writing a living will? I’m approaching age 73 and in poor health and would like to get this done without spending a lot of money. — Need Help
Dear Need Help: Preparing a living will now is a smart decision that gives you say in how you want to be treated at the end of your life. Here’s what you should know, along with some resources to help you write one.
What to prepare
To adequately spell out your wishes regarding your end-of-life medical treatment you need two legal documents: a living will, which tells your doctor what kind of care you want to receive if you become incapacitated, and a health care power of attorney (or health care proxy), which names a person you authorize to make medical decisions on your behalf if you become unable to.
These two documents are known as an advance directive and will be utilized only if you are too ill to make medical decisions yourself. You can change or update it at any time.
It isn’t necessary to hire a lawyer to prepare an advance directive. There are a number of free or low-cost do-it-yourself resources available to help you create one, and it takes only a few minutes from start to finish. Some top options include:
■ CaringInfo.org: This is a program created by the National Hospice and Palliative Care Organization that provides free, state-specific living will forms that you can download, print and fill out. Or you can call 800-658-8898 and they will mail them to you and answer any questions you may have.
■ MyDirectives.com: If you’d rather create a digital advance directive, MyDirectives is an online tool and mobile app that will help you create, store and share a detailed, customized digital advance directive.
■ FiveWishes.org: This is another top-rated resource for creating a comprehensive paper or digital advance directive. They charge $5 for the paper form and $15 for the digital version, which is stored on the website and can be accessed anytime by you or your family.
■ VA Advance Directive: If you’re a veteran, the VA also provides a free advance directive form specifically for you at VA.gov.
Other options
If you’re interested in making an entire estate plan that will include your will or trust, power of attorney and advance directive, there are many do-it-yourself services that typically cost $100 to $250. These include Quicken WillMaker & Trust software (WillMaker.com), Trust & Will (TrustandWill.com) and Legal Zoom (LegalZoom.com), which also makes basic living wills for $39.
If you’d rather have a professional do it for you, contact an estate planning attorney. See NAELA.org or NAEPC.org to help you locate someone in your area. Expect to pay $500 to $2,000 for a basic estate plan, depending on where you live.
Add-ons
You should also consider a do-not-resuscitate order, since advance directives do little to protect you from unwanted emergency care such as CPR. To create a DNR, ask your doctor to fill out a state-appropriate form and sign it.
Another tool that may complement your advance directive is the physician orders for life-sustaining treatment, or POLST. This form translates your end-of-life wishes into medical orders to be honored by your doctors. To learn more, see POLST.org.
Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org.