Legal Matters Matter

Wayne and I recently checked one more thing off of Momma’s to-do list mentioned in the following story posted on Facebook in 2016. We met with our local funeral director and pre-paid Mom’s funeral. It’s nice to have that one out of the way. There are so many financial planning and legal matters to attend to when it comes to caring for a loved one who can no longer care for themselves. I hope by sharing this information, light is shed on someone else’s journey.

Facebook journal entry – February 4, 2016

As far back as I can remember, Momma was always a list maker; life just rolled better once her thoughts and plans were written down on paper. I know the feeling. I enjoy the physical act of checking things off of my to-do lists too. Some may think me crazy, but, when I accomplish an unexpected task, I add the job to my to-do list just so I can experience the euphoric mini-rush of being able to check it off as “DONE!”
Two summers ago, Momma’s memory loss was beginning to advance. I had been noticing changes since 2010, but Mom had been able to disguise her forgetfulness and few people knew she was struggling. In the summer of 2014, she was still having more good memory days than bad, but her memory loss was making its ugly presence known – and others were noticing the changes too. Her friends at church would patiently listen to her tell the same story several times in a conversation or ask the same question repeatedly.
That summer Wayne and I began to make more frequent trips to see Mom. While Wayne would help her with household handyman projects and matters related to finances, I would work with Mom puttering in her garden or working indoors with her on various decluttering projects.
As we spent more time with Mom, I believe that God helped us see that stress – real or perceived – adversely affected Momma’s memory. I began spending more time at Mom’s house helping her tackle the paperwork that was threatening to overwhelm her. The bed in my old bedroom was hard to find beneath the sea of junk mail, bank statements, file folders, binders and clipboards. Scattered throughout this paper jungle were various legal pads, notebooks and miscellaneous pads of papers where mom was obviously trying to jot down tasks on her to-do lists. Mom had boxes and boxes of files, but didn’t have a system for filing that was working for her. I started taking home a box at a time and, with Wayne’s help, weeded out the stuff she didn’t need to keep, condensed the duplicate files, and then created a much smaller A-Z file system for her. Our son Matt got involved in this project too, helping create a more streamlined household filing system for her.
That summer, Wayne and I chose to spend time reading her various lists and couldn’t help but notice one theme showing up quite often: Momma wanted to take care of end-of-life legal and financial matters. We decided that this needed to be a stress-relieving priority, given the relative clarity of thought she was having now versus the unknown path her thought process might take in the future.
Gathering up her legal documents and financial statements, Wayne and I started to wade through and organize them making our own lists of things that needed to be updated, questions that needed to be asked, and people we needed to meet. Then, with mom’s blessing, our first stop was to meet with Mom’s lawyer. Now that Dad had gone to his heavenly home, Mom wanted to make sure that everything was updated. We made an appointment and were so glad we did. We worked with Mom’s lawyer to update her will and, while we were at it, updated both her financial and healthcare power of attorney (POA) legal documents (Power of Attorney for Healthcare and Durable Power of Attorney). This step alone came in handy for many of the tasks we would want to accomplish over the next few months.
Wayne’s review of Mom’s retirement accounts caused him to raise his eyebrows. The funds were being managed by two different advisors; one doing a respectable job, the other – not so much. Numerous unreasonable fees were eating away at any gains her accounts were making. Together with Mom, we decided to move one of her two accounts into a Fidelity account and allow Wayne to oversee and manage them. With her Durable Power of Attorney paperwork in hand, we were able to handle these financial decisions and changes on mom’s behalf. Receiving all of the investment related documents in the mail was very confusing for Mom, so we changed the mailing address to our own. Wayne then condenses the information into a single page summary document listing her current balances in her various financial and investment accounts.
The next stop on our “Momma’s to-do-list journey” was to take her to the cemetery where Dad is buried. Several years ago, Mom and Dad had purchased two plots from a friend who had a few plots she had inherited that she wanted to sell. Based upon the paperwork I had in hand and a few phone calls I had made, I was confident that everything was in order. Mom just wanted to double-check that everything was pre-paid and in order for her own future interment. We stopped at the cemetery’s office to speak with the attendant and were assured that all of the necessary prepayment was in order.
We then drove to the section where Dad was buried and set out to find Dad’s grave marker. As we slowly moved through row upon row of tombstones and markers, I was reminded that there is more to getting ready for the inevitableness of death than taking care of financial matters. I whispered a prayer of thanksgiving that both of my parents had taken care of the most important thing. Well, actually, Christ had taken care of that on the cross for them…Mom and Dad just accepted His gift of salvation by faith.
We found the marker. As Momma and I stood arm in arm reading the grave marker together, it seemed odd seeing her name on the marker too. Glancing at Momma to see how she was doing, I saw a peaceful smile.
Over lunch following our visit to the cemetery, we talked with Mom about what her wishes were concerning her future burial plans. An incredibly tough discussion, but I am quite sure her concerns over the future were visibly replaced by a gentle peace of mind.
At the end of our summer of checking many things off mom’s to-do lists, I created a special binder to house all of the important documents related to end-of-life matters. This binder includes:
  • Power of attorney documents
  • Original copy of her will (along with a copy)
  • Cemetery and burial plot titles and documentation
  • Mom’s wishes related to her funeral service – including the hymns and scriptures she would like to include
  • A list of people mom would like me to notify concerning her home-going
  • A list of legal tasks I will need to complete.

Admittedly, this reference binder is more for me, than for mom. When God chooses to call my mother home to heaven, my job of honoring her final wishes will be much easier. On this side of Glory, we will enjoy our time with mom and rejoice in knowing our summer of checking things off her to-do lists brought her great peace of mind.

Author: barefootlilylady

Wife of one, mother of 2+2, and Grandma of 6 (3 girls and 3 boys!) and full-time caregiver for my sweet Momma with Alzheimer's. Passionate about Jesus, grandkids, Awana Clubs, gardens, quilts and cooking.

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