What is an advance medical directive?
An advance medical directive is a document that states your intentions in the event that you are unable to make decisions about your healthcare as well as names the person(s) (also known as an agent) that you want to make those decisions for you.
What are the reasons for an advance medical directive?
- Your family knows what your wishes are with respect to your healthcare
- Your physicians know what your wishes are with respect to your healthcare
- Your agent is able to act upon your wishes
What are the reasons against an advance medical directive?
- If you change your mind about your healthcare needs, you will have to have your advance medical directive re-written.
- If you are in a state of health where you are unable to convey a change in wishes, the current advance medical directive will continue to govern your healthcare.
When should you get an advance medical directive?
It is never too early to draw up an advance medical directive. However, if you are in poor health or a more advanced age, it is more important for you to have an advance medical directive in your estate papers.
Why should you consider long-term insurance care?
- Need access to benefits to ensure policy holder will receive benefits when needed
- Choose when and by whom care is given
- Competitively priced
- Inflation protection against long term cost increases
- Pays benefits regardless of other insurance
- Consider a comprehensive policy to include nursing home