Health and long term care has escalated at an ever increasing rate over the years. Long term asset protection is a probability that can be prepared for.

Long Term Care includes a wide range of medical and support services for people with a degenerative condition (e.g. Parkinson’s, stroke, etc.), a prolonged illness (cancer) or cognitive disorder (Alzheimer’s).

Long Term Care is not necessarily medical care but rather "custodial care." Custodial care involves providing an individual assistance with activities of daily living or supervision of someone who is cognitively impaired.

An estimated 4.5 million Americans have contracted Alzheimer's according to the Alzheimer's Association and that number may raise to 16 million by the year 2050. Find Long Term Care Insurance Quotes

Genetics, healthy living and exercise play a part in maintaining health. Hopefully you will not have to resort to or ever have to use this insurance protection. However one can not be 100% sure of what is in store. With ever increasing health care costs, a long term insurance approach will give peace of mind as well as protect assets.

"Quiet minds cannot be perplexed or frightened, but go on in fortune or misfortune at their own private pace, like a clock during a thunderstorm." - Robert Louis Stevenson, author

Learn how to protect your assets. Visit today to receive the free 45 Page Insider’s Guide to Long Term Care Protection and your quote from a licensed local professional. Long Term Care Insurance - Visit Today

living wills and naming a durable power of attorney

Personal Legal: Estate Planning

Health Care or Medical Proxy One form of a advance medical directive is the health care proxy. In case you are unable to render a decision, it names a person to act on your behalf (a surrogate, proxy, decision-maker) in regards to the preference of treatment. A durable power of attorney is equivalent somewhat to a health care or medical proxy.
  • This is a legal document that gives the surrogate the same rights as you had to make medical decisions on your behalf.
  • Gives the right to accept or refuse treatments

   In case you are disabled or medically incapacitated, a Durable Power of Attorney for Medical Reasons is a legal document that names the person who will take care of your banking transactions, sign Social Security checks, write checks to take care of finances. If this document is not prepared properly, your finances may be handled in ways that would not follow your wishes.
   • A durable power of attorney does not need to expire in contrast to a plain power of attorney which does expire.
   • You must be competent when a durable power of attorney is created.

When you become well again you can naturally revoke or amend the power of attorney.

A Living Will indicates the Do's and Do Not's in case you are incapacitated. If this document is not prepared properly, your medical treatment may be handled in ways that would not agree to your wishes.
   • A living will automatically becomes your directive in case you are unconscious, severely ill or nearing the end of your life.
  • Can indicate if your wish is to become resuscitated if you stop breathing
  • If you want to receive forced feeding
  • Specific instructions for analgesia (pain relief), hydration, antibiotics, feeding, the use of ventilators or cardiopulmonary resuscitation and other medical procedures can be specified.
  • If the attending physician determines that your condition is terminal you may elect to discontinue any life-sustaining measures that would prolong dying.
  • If no decision is made hospitals and doctors will follow their own policies. That could mean keeping you alive no matter what, with any means possible. It is not science fiction that one could be kept alive indefinitely without will or volition.
  • A successor agent should be named in case the original agent is not able or willing to continue with the task.

Personal Legal: Estate Planning Forms

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