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End-of-Life Planning: Why It's Such a Smart Thing to Do

Posted: 02/28/11 04:54 AM ET

The fact that most people do not even know what end-of-life planning involves is both sad and the source of an enormous amount of stress and distress for many families. We have all heard horror stories about families fighting over a loved one's will or struggling over what medical treatment choices to make on their behalf when they are unable to communicate their wishes. These guessing games, power struggles and the heartache involved could all be avoided or drastically reduced if we would only face the reality of human mortality and document our preferences for the end of our lives in advance of need.

Talking about dying and death is a huge social taboo. It is almost as though we collectively put our hands over our eyes like children who innocently think, "if I don't see it or look at it, it doesn't exist." But, it does. So, let's take a look at the truth of this matter.

The key to effective end-of-life planning is not to race through filling out legal documents, but rather to take our time to thoughtfully clarify our thoughts, attitudes, beliefs and feelings about dying and death first. It is important to understand that our mental and emotional posture serves as the foundation for how we live our lives, which includes how we live our dying.

We need to take the time to understand the full scope of what is involved in putting our affairs in order and seek out solid information on each topical area. Then we can dive in and embrace the process. While perhaps daunting or a bit scary at first, many are surprised to find this a very interesting, self-revealing and liberating process.

The Five Areas of End-of-Life Preparation

  1. Your Values and Beliefs: Clarifying your beliefs about aging, incapacitation, dying and death serve as the foundation for all the decisions you will make regarding your own end-of-life process.
  2. Advance Healthcare Planning: Documenting your healthcare wishes. This involves a Healthcare Proxy (a legal form used to appoint an agent and an alternate to speak on your behalf in the event that you are unable to speak for yourself regarding your medical care) and a Living Will (a clear expression of your healthcare treatment preferences which is what any court would be looking for in the event of a dispute).
  3. Advance Financial Planning: Making decisions about your financial and material wealth that will provide for your own care and comfort through the end of your life as well as the disbursement of your possessions after your death (accomplished through a legal will or trust).
  4. Your Ethical Will: Documenting the story of your life from your point of view as a gift of love and understanding for those you will leave behind.
  5. Preferences for Your Deathday and End-of-Life Rituals: Providing instructions for your loved ones about your beliefs and desires regarding such things as whether you want to be cremated or buried, honored with a funeral and/or a memorial service, and whether you are a body, tissue or organ donor.

End-of-life planning is not about secretly hiding away documents that express your wishes, but rather using these documents as the basis for important conversations with your loved ones, doctor(s) and other advisors and caregivers so that your voice is heard and that any objections or concerns can be addressed in advance. This takes courage, yet it is the most loving thing we can do to prevent the heartache and horror stories that will otherwise be caused by not speaking up on our own behalf.

Understanding the importance of end-of-life planning doesn't seem to be enough. So, let's debunk some of the most common excuses we make for not putting our affairs in order:

Top Seven Excuses for Not Putting Our Affairs in Order

  1. Irrational Fears: "If I do the paperwork, then I will die soon and if I don't do it, I won't die because I won't be ready yet." -- As with all fears, they are only as powerful as the energy we feed into them.
  2. I Don't Have Time: "I'll do it later. I'm too busy. Or, I'm young, and therefore I have plenty of time." -- How much time you have is not entirely in your control.
  3. It's Too Overwhelming: "It's all too much. I don't know where to start." -- The risk involved in not having your affairs in order is just too high!
  4. I Don't Like to Think About Things Like This: "It's too creepy to deal with this stuff." -- This is not something you do because you like it. You do it as an act of love for yourself and those you will leave behind.
  5. It's Too Expensive: "I can't afford the legal expense right now." -- It will be far more expensive financially, legally and emotionally for you and for your loved ones if you don't get this done, plus you forfeit the right to direct your own affairs.
  6. Confidentially: "I don't want anyone knowing too much about my personal affairs." -- You don't want them knowing too little either. Remember, you have complete control over who you choose to provide what information.
  7. Fear of Dying and Death: "I'm afraid." -- Death is not a mistake. It is a normal part of living for all sentient beings on Planet Earth. The better we are able to accept our mortality, the more fully we are able to embrace and enjoy our life.

If you are not convinced yet to put your affairs in order, consider the payoffs.

The Top Five Payoffs for Putting Your Affairs in Order Now!

  1. Protecting Your Right to Make Your Own Decisions: Having decisions made from your point of view -- not someone else's.
  2. Demonstrating Your Love for Those You Hold Dear: The more you do in advance of need, the less your loved ones will have to do. Preparation eliminates the potential for family disputes over what to do.
  3. Minimizing Professional Fees: Good information gathering and organization can save thousands of dollars in professional fees to pay someone to second guess what only we know about our affairs.
  4. Dealing with the Reality That Death is an Unscheduled Event: Each day that goes by without getting your affairs in order increases the probability that you will not have them done when the need arises.
  5. Claiming Your Freedom From Guilt, Fear, Shame, Stress and Avoidance: Imagine how much energy you have expended in avoiding taking care of this and how wonderful it will be to free up this energy, stop its ongoing drainage and have the satisfaction of having your affairs in order.

I rest my case!

***

Please feel free to leave a comment below, or contact me at judithjohnson@hvc.rr.com. You can also Retweet this post, share it on Facebook, or e-mail it to friends who may enjoy it. To learn more about me, visit my website at www.judithjohnson.com. For information on my future blogs, click "Become a Fan" at the top of this page.

 
 
 
The fact that most people do not even know what end-of-life planning involves is both sad and the source of an enormous amount of stress and distress for many families. We have all heard horror storie...
The fact that most people do not even know what end-of-life planning involves is both sad and the source of an enormous amount of stress and distress for many families. We have all heard horror storie...
 
 
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11:44 AM on 03/17/2011
Completely agree with what Judith wrote here. This is why we started AfterSteps (www.aftersteps.com) to simplify the end-of-life planning process and educate users on the importance of it.
03:39 PM on 03/01/2011
Excellent article and tips on end of life planning. I'm not sure how talking about a natural part of life has become so taboo. Having been a surrogate decision maker twice under very difficult circumstances, it is important to not only have the advanced directives, but clear direction on specific preferences and values. This is not about "pulling the plug." It's truly about honoring the individual and respecting their wishes. In essence, too, it's another phase of what each of us should do in regards to personal responsibility. Life-plan. Thank you for bringing a sensitive and important subject to the limelight.
Lboesen, author, Managing the End to Bridge the Beginning
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Anne Naylor
Celebrant, Weddings and Other Blessings
10:01 AM on 03/01/2011
Very useful article, Judith. I agree with you that it is values and beliefs being honoured through to the end that is so important.

With appreciation and blessings,
Anne
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04:28 AM on 03/01/2011
I had a chat with a friend recently about this (both of us being women who think we are 28 but are actually in our early 60s)... We both decided to put not only in official wills, but also in NOTES posted prominently in our homes, that the other should be contacted to get rid of our stuff (writings, especially) whoever croaks first. We also promised that whoever croaks first will make sure that some younger people will take care of the pets.

I think this is smart.
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Randall Bart
02:06 AM on 03/01/2011
When my father was dying, we could have used some end of life planning. Unfortunately the Republicans call it death panels.
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pita143
Virtue mine honour
02:59 AM on 03/01/2011
The Republicans already have death panels in place, they are thanks to the Governor in Arizona.
08:41 PM on 02/28/2011
My end of life plan is basically to simply drop dead, be shot into space, and have all my books given to the local public library.
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RhiannonRings
Childfree and loving it!
02:23 PM on 02/28/2011
Amen! I am currently dealing with two deaths in my family. I lost my mom in Oct. (she had a will and trust), then I lost my sister in Dec. (no will, no trust). Guess which one is causing me the most stress! My 62 y.o. sis thought she would live to 100, but she was stricken with pancreatic cancer and was gone in the blink of an eye. Luckily, I have a great estate lawyer who is filing everything for me. I am now planning to set up my own will and trust ASAP because really, none of us knows how much time we have. I do not want my survivors going through what I am going through. So, thank you for your post!
11:29 AM on 02/28/2011
Be careful with DNRS.my mom died because her MD used hers as an excuse not to treat.
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french queen13
my beloved is mine and I am his
05:18 PM on 02/28/2011
But isn't that precisely what a DNR is for? Terrible if that wasn't what your mom meant, but I know if I have one, it will mean "let me go", no ifs or buts.
10:00 AM on 03/02/2011
lauraj400: With out the DNR for my husband of 34 years It would have been much harder on me and his children. having a DNR and other legal documents that my husband decided on in advance released me to enjoy the time he had left, rather than worry about the final what had to be done afterward. We also had hospice and with out them e couldn't have kept him alive as long as we did. many times the loved ones of some one dying do not want to face the imminence of their death and want to keep them as long as possible, and I can understand this, but my husband and I have always been realists and understood that end of life decisions need to be made long before the end. He died peacefully in his sleep with no pain registering on his face. For that I will always be thankful, after wards the appropriate people came in an took over, and I could concentrate on my grief and other things that to be done. Planning for your end of life is a part of life, please don't see it as a death panel.
09:09 AM on 02/28/2011
We can't talk about this enough! In college I sat my parents down during my Thanksgiving break and forced the conversation with my parents. I'm the eldest. We are an immigrant family and I simply wanted to know what I needed to do to fulfill my role if something unexpected happened to them. It was one of the best conversations my family ever had. Now that I'm a health care provider I am even more of a proponent of these important life conversations. Betsey Stapleton wrote a wonderful piece about end of life planning as well--from the nurses perspective http://www.hopestreetgroup.org/community/healthcare/blog/2011/01/14/end-of-life-planning
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Social Construct
Go left, young man.
08:16 AM on 02/28/2011
Pardon the pun, but I'm 'dead' serious about this. Well, mostly serious, but one does have to laugh to keep from crying at times. I find myself in the income category that has absolutely no solution to making any end of life planning decisions other than family members wrapping my remains in large trash bags and setting them out with the weekly trash. Seriously, there are millions, given the opportunity, that would absolutely make these plans if we had the means. So, for those that can, it's definitely a wise, and considerate, plan to spare loved ones additional hardship and grief when dealing with such loss.
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Judith Johnson
Author, Educator, Coach and Interfaith Minister
01:50 PM on 02/28/2011
Most of the options for end-of-life planning have nothing to do with how much money you have and everything to do with what you believe and value. Advance healthcare planning, for example, is all about communicating your personal wishes regarding your healthcare should you be unable to speak on your own behalf. By filing a Healthcare Proxy, you empower someone you trust to speak for you if and when you are incapacitated due to a traumatic accident or dementia. The forms are free and do NOT require a lawyer.

Please do not dismiss end-of-life planning because of a lack of money. One has nothing to do with the other.
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RhiannonRings
Childfree and loving it!
02:24 PM on 02/28/2011
Very true, it's not as expensive as you think, and well worth it!
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Social Construct
Go left, young man.
06:28 PM on 02/28/2011
Already done. Yet, to suggest that making those decisions in advance relieves emotional expense of others but fails to erase other expenses related to death and dying in the US. Depending on a dying person's desires, both about what kind and how far medical treatment should go, and what kind of services for remembrance and final disposition of the remains, it can be beyond a person's or family's ability to pay. My apologies if I have offended you. Perhaps we were thinking about two different things related to the same subject.
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french queen13
my beloved is mine and I am his
05:19 PM on 02/28/2011
Hear, hear!
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PRONESE
Somewhat Opinionated Curmudgeon
05:58 AM on 02/28/2011
Fairly Soon, Unless Law changes, You, as an individual, may have fewer choices in you end of life planning and Government Managed Health Care and it's Administrators will have more.
Link: http://www.youtube.com/watch?v=U-dQfb8WQvo
More Coffee...
R/ PRONESE