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Preparing a living will & end-of-life care choices

It's not the most pleasant task, but making your preferences known in a living will has to be done.

Having a will or trust is important to estate planning, but do you have a living will? According to a 2020 survey of 2,400 participants by Caring.com, only 6% of people had a living will.

While your end-of-life care may not be first and foremost on your mind, making the tough decisions about life-sustaining medical treatments when you're healthy — and documenting them in a living will — helps to ensure that your health care wishes will be fulfilled when you're unable to speak for yourself. When you make the choices it also provides your loved ones the assurance that your wishes will be followed.

Living will and health care power of attorney

What is a living will?

A living will is a legal document that outlines your health care wishes in the event that you become terminally ill and/or permanently incapacitated or unconscious due to injury, illness or advanced age. It is important to have a living will because it communicates your wishes and gives your loved ones guidance in making very difficult decisions. Creating a living will requires some thought and consideration.

A living will lets health care providers and your family know which life-sustaining medical treatments you want or don't want. Each state defines the parameters differently, so check your state law. Since a living will can't anticipate every possible situation, experts recommend combining your living will with a health care power of attorney to create an advance directive, also known as an advanced health care directive.

What is a health care power of attorney?

A health care power of attorney, or medical power of attorney, is a legal document that grants power to another person to make health care decisions on your behalf should you become so ill or injured that you can't do it for yourself. This person is called a health care agent, or health care proxy. Make sure your health care agent is someone you trust to advocate for you, to be available for what could be a significant amount of time, and to remain steady during a highly emotional time.

Creating a living will or advance directive

Hire an attorney or do it yourself

An attorney who focuses on estate planning can create an advance directive for you and will know your state's laws. You can also create one on your own, but you must make sure it meets your state's requirements. Resources available to you include legal document creation software; a free living will form provided by your physician, local hospital, local senior center or state's medical association; and The National Hospice and Palliative Care Organization, which allows you to download a state-specific advance directive form.

Research your state's requirements

No matter how you create your advance directive, find out your state's requirements. You must be at least 18 years old and of sound mind at the time you create your living will. Depending on your state, you may also need witnesses and/or notarization.

Determine your end-of-life care

Decide what kind of medical treatments you want for yourself, such as artificial respiration, palliative care or nourishment, when you get to the end of life or become completely incapacitated. Consider researching these health care matters and discuss them with your physician. Once you've made your decisions, write them down along with your rationale and feelings to help your loved ones understand your preferences, especially if it's possible they might disagree.

Reassess your living will as needed

Your advance directive isn't set in stone. Change it as your perspective or situation changes due to age, decline or a major life event, such as death, divorce or a diagnosis.

Share your health care wishes

Tell your health care agent and family

Let your health care proxy and loved ones know of your advance directive and your life-prolonging preferences. This way, your health care agent will know how to act on your behalf and your family will be informed should anything happen.

Keep your advance directive in a safe place

Make sure your living will and health care power of attorney are kept in a safe place that your health care agent can access, if needed.

Make copies of your advance directive

In addition to your health care agent and family, give a copy of your advance directive to your physician to keep on file, as well as to your hospital, if going in for a major procedure.

While creating a living will or advance directive may be difficult in the short term, its long-term benefit is knowing that you will be taken care of according to your wishes and that your loved ones will be relieved from having to make these tough decisions for you during an emotionally stressful time.

The information in this article was obtained from various sources not associated with State Farm® (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates). While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. State Farm is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites that might be hyperlinked from this page. The information is not intended to replace manuals, instructions or information provided by a manufacturer or the advice of a qualified professional, or to affect coverage under any applicable insurance policy. These suggestions are not a complete list of every loss control measure. State Farm makes no guarantees of results from use of this information.

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