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No one enjoys thinking about “what if” scenarios. Yet one of the most empowering steps retirees can take is preparing for them. Having the right documents in place—and keeping them updated—ensures your wishes are honored, your family is supported, and unnecessary stress is avoided.
March is an ideal time to review these essential items.
- Healthcare Directive (Living Will)
A healthcare directive outlines your medical preferences if you are unable to communicate them yourself. It clarifies decisions about treatments, life-sustaining measures, and end-of-life care. If it has been several years since you reviewed yours, confirm it still reflects your values and current medical realities. - Durable Power of Attorney
This document designates someone you trust to handle financial matters if you become unable to do so. Laws can vary by state, and financial institutions sometimes require updated forms. Make sure your designated agent is still willing and able to serve. - HIPAA Authorization
Without written permission, medical providers may not be able to share information with your loved ones. A current HIPAA authorization ensures trusted individuals can communicate with doctors and access important health details if needed. - Will or Trust Documents
Even if your estate plan is already established, life changes such as marriages, divorces, births, or relocations may require updates. Beneficiary designations on retirement accounts and insurance policies should also be reviewed, as they typically override instructions in a will. - Digital Asset Planning
In today’s world, many of our accounts exist online. Consider how your trusted contact would access important digital records, subscriptions, or financial platforms. Securely organizing login information and naming a digital executor can prevent confusion later.
Preparation is not about pessimism—it is about clarity. When documents are current and accessible, families are spared uncertainty during already emotional times. More importantly, you retain control over your decisions.
The Aging Information Committee encourages all Members to set aside time this spring to review, update, and securely store these critical documents.
A little organization today can provide lasting peace of mind for you and those who care about you most.
Dale Koch
Aging Information
Committee
