Not a fishing post but info for future

This is definitely not a fishing post. But some advice if you want it. Make sure you have power of attorney for health and finances. Have a will with TOD. Also have someone else that can sign checks when needed. Will need change of beneficiary for life insurance if nursing home is needed and Medicaid has to pay. Life insurance will need to be assigned to funeral home. Also a living will. Lots of paperwork and hoops to jump through if you have nothing in place. Also have to deal with HIPA privacy laws. This comes from experience the last few weeks.

I know this is a rough time for whole families and very hard to get it all correct without friction somewhere

Yep, we watch families go through learning those lessons the hard way in our agency. No matter how many times we put it in the newsletter or quote "would have done different" conversations... we still see the pain in the wake of pain.

I'd disagree with "assign life insurance" to funeral home. I see assigned death proceeds as a license for the funeral home to spend as much as possible and make the family feel guilty for saying no.

Sorry for your struggles and pain. Prayers.

We were told by the nursing home that the Life Insurance policy is concerned cash asset. So it needs to be designated to funeral home so it isn't considered cash value for person. She wanted it to go for funeral anyway. It is the waiting that is frustrating.

Gotcha! Thanks, again, sorry for your family's situation.

This is especially true if you fall asleep driving home, just ask ripnlips and baithead, the goods news is I woke up quickly when I went off the road scared the you know what out of the oncoming traffic the boat sway once back into the ditch swayed again I recovered. Immediately pulled over and let Richard drive, I have all my affairs in order as my guardian angel is wore out. I also promised H (the misses), I would take a nap before driving next time. Please be safe.

I woke up one morning, about 3am, bouncing my Silverado extended cab off the side of a cattle hauler going the other way after falling asleep on Hwy 49 from Brinkley to West Helena Arkansas. It is all raised highway due to cutting through wetlands. He was over as far as he could. Tore the rearview mirrow off and cut a slash down the entire side of the truck. 6" from meeting the one that made me. Head was resting against the drivers door window when it happened.

I know everyday after that is a day He wants me to have.

Point of sharing that is that within the week I tied up some issues that would make it easier for the family. Simple actions can mean a world of stress relief for those you leave.

You never know when it will happen. After everything is done with mother in law we are going to lawyer and get everything fixed so our son doesn't have to go through this. My mom had everything fixed so we didn't have to do much when she passed or before when she got sick.