What Happens If You Become Incapacitated?

When most people think about estate planning, they think about what happens after they die.

In reality, one of the most valuable parts of an estate plan addresses what happens during life.

Illness, injury, or cognitive decline can make it difficult—or impossible—to manage finances, communicate medical wishes, or make important decisions.

Without proper planning, family members may be forced to seek court involvement in order to help.

Two key documents help address these situations:

A Durable Financial Power of Attorney allows someone you trust to manage financial matters if you become unable to do so yourself.

A Health Care Directive allows you to appoint a medical decision-maker and communicate your wishes regarding care and treatment.

These documents help ensure that the people you trust can act when needed and that your preferences remain central to important decisions.

Incapacity planning is not just for older adults. Accidents and unexpected medical events can happen at any age.

Planning ahead provides clarity, authority, and peace of mind for both you and the people who may one day need to help.