Showing posts with label Planning for the future. Show all posts
Showing posts with label Planning for the future. Show all posts

Tuesday, April 21, 2015

National Healthcare Decisions Day: Taking the Time to Plan #PlanNowOptum

National Healthcare Decisions Day: Taking the Time to Plan
Tips on How to Begin Necessary Conversations with Loved Ones about Their End of Life Care Wishes

By Dr. James Mittelberger
 
April 16 is National Healthcare Decisions Day – A day set aside to encourage all of us to discuss important advance planning end of life health care wishes.  It’s an opportunity to begin the process of documenting those wishes before a stressful health crisis arises.
 
It can be tough to get started.  It may even feel a bit awkward, but powerful conversations with family members today can assure end-of-life preferences are honored and reduce stress and uncertainty in the future.  Planning today can help ensure that your loved ones will receive the treatments they want, and avoid the care that they don’t want at the end of life.

According to a national survey by The Conversation Project, more than 90% of the people think it’s important to talk about their loved ones’ and their own wishes for end-of-life care, but fewer than 30% of people have actually had the conversation.   Many people simply haven’t gotten around to taking the necessary steps to crystallize what they want and to formalize it.  Sometimes it’s because people don’t know how to start the conversation with their loved ones. 

A great way to start is by thinking about what is most important to you if you or your loved ones were facing a life threatening or progressive illness.   You would start planning and reflecting on what you and your loved ones would want, expressing those desires and having the thoughtful conversation.   After all, no one wants to be scrambling for paperwork, evaluating care choices or putting their families through uncertainty.

Here are simple steps to begin the conversation and planning for important end of life health care decisions:  

·          Start with your loved ones. Honest communication can help families avoid the stress of guessing what a family member would have wanted. You may find that you and your loved ones may see some things differently. That’s okay. Be open with each other and focus on really understanding the views of those you love.

·          Think about what is most important to you. What are your greatest fears, hopes and goals? Who would you prefer to make decisions on your behalf with your physicians if you could not? How sure are you of your choices? Do you want your chosen proxy to have leeway to change your decisions? Discuss these topics with your loved ones to reach a shared understanding of your desires.

·          Make it official. Once you’ve had the conversation, formalize your decisions by putting them in writing. There are several ways. An advance directive can help describe your medical wishes when you no longer can. Special medical orders can be developed with your doctor. Finally, a health care proxy identifies your health care agent—the person you trust to act on your behalf if you are unable to make decisions or communicate your wishes.

·          Get help. You can find valuable resources to help you think through these issues and make decisions more manageable at theconversationproject.org and agingwithdignity.org.

This is something that takes time, but well worth it.  I have seen firsthand the sense of peace, calm and satisfaction families experience knowing their loved ones wishes are granted giving you more precious and memorable time to spend with your loving family member.
 
Dr. James Mittelberger, is Chief Medical Officer of Optum Palliative and Hospice Care, who is board-certified in Internal Medicine, Geriatrics, Hospice and Palliative Medicine

Click to listen to Dr. Mittelberger's interview: National Healthcare Decisions Day (12 minute interview)

Monday, May 28, 2012

Investing in Noah's Future


Noah is starting kindergarten in the fall, where has all the time gone?  It seems like just yesterday he was a baby.  Now that I have registered him for school, and soon will be buying him school supplies and paying book rental and sending him on the bus, it has me thinking about the future. I have always thought about the future but I really need to start some kind of college fund for him so when he graduates high school, he can go to college.  I am not going to be a parent that relies on a scholarship for my son. I have faith that he is smart enough to get one but you never know.  I know that he is very advanced for his age but I need to be proactive about this.  I need to sit down and look in to investing my money in to something that can provide for Noah’s future if he goes to college or not.  I want to check out purchasing some walking liberty half dollars.  I was always told that gold and silver were both a good investment. 

My dad gave me a couple pieces of silver when I was in Jr. High and I still have them both.  I couldn’t tell you where they are, but I still have them tucked away somewhere.  I thought it was really cool that he gave them to me.  I could have sold them at a pawn shop or something, but I kept them for a rainy day. I think I might pass them down to Noah when he gets older.  You know I am big on heirlooms and by the time he is an adult, they will be over 25 years old. I know some of you might be thinking he’s only 5 now and I have time, the last 5 years has flown by so I am assuming the faster I get on the ball I am able to help him go to the college of his dreams.  He wants to be so many different things, it changes all the time so who knows what he will do with his life.  I just need to check out a company like Independent Living Bullion to start investing in Noah’s college fund while he is still young.  The longer you have the more likely you are to be able to do something like this.  I have big dreams and hopes for Noah to be whatever he wants and will help him achieve his goals in life.

Do you invest in anything? Do you have college funds for your children?

Thursday, September 30, 2010

Gerber Life College Plan

One of the things you have to start thinking about the moment you find out you are going to be a parent or when you find out you are having another child is paying for the child to college if that is something they want to do. I am not one of those parents that will demand that my child goes to college. I am pretty sure he will want to because even at 4 years old, he loves to learn. Many parents start saving for their children’s college education from birth. I wanted to share with you about the Gerber Life College Plan. Everyone knows about Gerber with the iconic Gerber Baby. I learned recently that they offer a college plan to help you save and pay for your child’s future education. It is an endowment life insurance policy. It is designed to help parents save a guaranteed amount of money for their children's college education expenses in a safe and secure way. I am sure a few of you are wondering what an endowment life insurance plan is, I didn’t know until I checked out the FAQ.

I think that this is a great gift to give your child or grandchild. It will help them in the future. You don’t have to worry about losing it by having it tied up in investments and have the stock market crash, and be left with nothing. I know that has happened to a lot of people recently with the economy being so bad off. It is a small monthly gift that will provide a lifetime of education which will provide a future for your child or grandchild. I know in some families it is customary for the grandparents to pay for college, why not start now and have it taken care of without having to pay a large sum every year.

For more information please visit the Gerber Life College Plan’s FAQ.