Communicating End-of-Life Wishes Pays Off Where Aggressive Treatment Is the Norm
A new study finds that when medical personnel know what kind of care a patient wants at the end of life, Medicare can be spar...
Read moreDo you want to live out your last days hooked up to a ventilator or a feeding tube? Whether you want your life to be extended as long as possible or whether you want no life-sustaining measures at all, you need to make your wishes clear beforehand. Chances are you won’t be able to express yourself when a crisis is at hand and a decision needs to be made.
The traditional way to communicate one’s wishes is through an advance directive, and a growing number of Americans have these documents. But while advance directives are a good start, by themselves they may not guarantee that your wishes will be followed. These documents and "living wills" provide general guidance on what type of care a patient would like, but they are not consistently followed, in part because they don't give health care professionals explicit instructions for making critical decisions about a patient's care.
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Moreover, these instructions can’t give medical personnel any guidance if they can’t be found when they are needed. Too often, advance directives are signed and then stashed in a safe deposit box or a file drawer. Sometimes, even the treating practitioner overlooks it.
A recent New York Times article relates the tragic story of a 79-year-old nursing home resident with advancing dementia who was sent to the hospital with a persistent nosebleed. The man ended up getting a tracheostomy and a feeding tube. Two weeks later his doctor found in the man’s medical chart an advance directive requesting no life-prolonging treatment. The man had never shared the document with his son, who had authorized the invasive procedures.
There are two ways to better ensure this doesn’t happen to you. The first is to name a health care proxy – a person (or more than one person) who will make medical decisions for you when you can’t. But beyond naming this agent who will act in your stead, you need to have an ongoing conversation with this person or persons about the kind of care you want. When a medical crossroads looms, these people will know what to tell practitioners about the sort of treatment you would and would not like.
The second strategy, one for patients who are already seriously ill, is an alternative to the advance directive that has emerged in recent years and has been implemented or is being developed in some 40 states: the Physician Orders for Life-Sustaining Treatment (POLST). The POLST – also called the MOLST in New York, MOST in Colorado and LaPOST in Louisiana -- uses a standardized medical order form to indicate which types of life-sustaining treatment a seriously ill patient wants or doesn't want if his or her condition worsens. The POLST can serve the same function as a state do-not-resuscitate form if a patient is rushed to an emergency room.
The POLST is particularly welcome in nursing home settings because the common practice is to do everything possible for patients despite the fact that only about 12 percent of nursing home patients want intensive care treatments, according to one study.
Talk to an experienced elder law attorney about drawing up the documents to help ensure you receive the end-of-life medical treatment you want -- no more and no less.
A new study finds that when medical personnel know what kind of care a patient wants at the end of life, Medicare can be spar...
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Read moreIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MOREIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
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READ MOREWe need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.
READ MOREDistinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.
READ MORELearn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.
READ MOREUnderstand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.
READ MOREWe need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.
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READ MORELearn how a special needs trust can preserve assets for a person with disabilities without jeopardizing Medicaid and SSI, and how to plan for when caregivers are gone.
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