AnySelected

We're bombarded with advice on healthy eating, exercise, and regular check-ups. It’s all about looking after our physical wellbeing, and rightly so. But what about when the unexpected happens? What if a health crisis leaves you unable to make important decisions about your care, your finances, or even where you live?

Thinking about these 'what ifs' can feel uncomfortable, but it's a vital part of taking true care of yourself. It's not about dwelling on negativity, it's about being proactive and ensuring your wishes are respected and your loved ones are supported if you’re unable to advocate for yourself.

Why is Planning Ahead So Important?

Imagine a scenario: you experience a sudden stroke or a serious accident. You’re incapacitated, unable to communicate. Who will make decisions about your medical treatment? Will they know your preferences regarding end-of-life care? Without a plan in place, decisions will be made by others, potentially leading to outcomes you wouldn't have wanted. This can be incredibly distressing for your family and friends, adding an unnecessary layer of emotional burden during an already difficult time.

What Kind of Planning Should You Consider?

Planning ahead isn't just about a will (though that's certainly an important part of it!). Here are some key areas to consider:

• Advance Care Directives (Living Wills): These documents outline your wishes regarding medical treatment if you’re unable to communicate. They can specify everything from resuscitation to pain management.
• Enduring Power of Attorney (EPA): This crucial document appoints someone you trust to make financial and personal decisions on your behalf if you lose capacity. It’s essential to choose someone reliable and who understands your values.
• Will: Ensures your assets are distributed according to your wishes after you pass away.
• Key Information for Loved Ones: Create a document (or a digital file) containing essential information like passwords, bank account details, insurance policies, and contact information for important professionals. This can save your family a lot of stress and time.

Getting Started: It's Easier Than You Think

You don't need to be an expert in law to start planning ahead. Here are some simple steps:

• Talk to Your Family: Discuss your wishes with your loved ones. This helps ensure they understand your values and preferences.
• Seek Professional Advice: Consider consulting a lawyer specializing in estate planning. They can guide you through the legal requirements and ensure your documents are legally sound. Citizen's Advice Bureau in New Zealand also offers free or low-cost legal assistance.
• Review Your Plan Regularly: Life changes, and so should your plan. Review your documents every few years, or whenever there's a significant life event (marriage, divorce, birth of a child, etc.).

Beyond the Practical: Peace of Mind

Planning ahead isn't just about protecting your loved ones; it's also about giving yourself peace of mind. Knowing that you've taken steps to ensure your wishes are respected can alleviate anxiety and allow you to focus on enjoying life to the fullest. It’s an act of self-care that extends far beyond just physical health – it's about safeguarding your future wellbeing and leaving a legacy of clarity and control.

Don't put it off any longer. Take the first step towards future-proofing your wellbeing today.