In last week’s Fridays with Fisher, I shared with you a bit about conducting a planning conversation with your clients. I shared a few tips to help with the quality of your conversation as well as the OneAmerica Financial Plan for Care worksheet.
One thing that I mentioned briefly in past posts about client plan reviews is the obstacle of client’s either minimizing the actual risk of an extended care event occurring or believing that they can address the issue later or that it is not something that is likely to occur.
“I don’t need to do it right now”
Even if you are perfectly healthy, you can experience unanticipated events, such as a car accident or simple fall, that could leave you incapacitated and needing help from others to perform every day tasks. Planning ahead also enables you to choose who will make decisions on your behalf if you are not able to communicate them yourself. As your life changes, you can update your advance directives to ensure they reflect your wishes.
“I don’t want to sign my life away”
You plan is not an irrevocable action. It is a guideline for the people who will be taking care of you. You can change your plan any time.
“I don’t want to talk about this. It’s too difficult .”
It’s true that extended care planning conversations may be difficult. Yet, many people find that these conversations create a sense of empowerment, help them learn more about themselves and their life situation, and bring them closer to their family members. You do not need to discuss care decisions right away. Instead, talk about your general preferences and who you trust to make medical decisions for you. You can also try other ways to share your wishes, such as writing a letter, reviewing this conversation guide together, or watching a video on this topic.
“I don’t know why I should …”
It is impossible to predict the future AND you may never face a medical situation in which you are unable to communicate your wishes. But, having an extended care plan can provide you and those close to you with some peace of mind. Remember, that your plan will only be used if your health is compromised to a point where you are unable to care for yourself.
Your client’s plan is not a legally recognized document unless there is an Advanced Care Directive and Durable Power of Attorney in place, so it may be a worthwhile conversation at a later time to formalize their wishes using the Advanced Care Directive. This is a key reason why having conversations with your family about advance care planning is so important. Open, honest discussion can help your loved ones understand your values and preferences and better navigate unanticipated issues.
Finally, if you would like to provide a consumer workshop to help open the door to a planning conversation, shoot me an email or give me a call.
Fridays with Fisher 
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