FROM THE EDITOR'S PEN
/ The Holiday Caregiver Insurance Plan / Editorial List
A gentleman asked a question at a recent Fearless
Caregiver Conference. He had been trying to have a
conversation with his mother about her long-term
care wishes, but she had been putting him off and he
was seeking advice.
I told him about my concept of creating a
caregiver insurance plan. We have auto insurance
even though we hope not to have a crash, fire
insurance, life insurance and, well, you get it.
These policies are secured due to the likelihood of
our families facing such events. Of course, we all
realize that it is better to have the appropriate
policies in hand.
My belief is that all adult members of your
family need to get together and have a conversation
about their long-term care wishes in case they can
no longer make these decisions for themselves. The
- What are your end-of-life wishes? Do you
have advanced directives to help ensure that
these will be met?
- Have you created a will and is it up to
date? Many things may have changed since you
first filled one out.
- Who is your primary doctor? These days, we
all go to so many different physicians that
having one health care gatekeeper is more
important than ever.
- Do you have long-term care insurance? Where
are the policies? (If you are a caregiver, it is
imperative you do not ignore your own insurance
It is important that once the conversation
starts, you do not make it an inquisition about your
senior loved one. Instead, first share your own
situation. You might say, "Mom, it's important to me
that you know what my wishes would be in case
anything happens." After sharing your own story,
turn to her and say, "OK, now let's talk about what
With family members coming together for the
holidays, there is no better time for such a
conversation, and no better gift that you can give
Locator Launches Holiday Campaign to Encourage
Families to Start Conversations About Critical
Eldercare Let's Talk Brochure (PDF)