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Legal Checklist For Aging Parents – 20 Essential Documents

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Senior man looking over legal documents

Legal documents protect everything from finances to medical treatments. As parents age, it becomes more important than ever to have the proper legal paperwork in place.

But what are the most important and essential documents?

The following 20 documents will not only protect the legal rights of older adults, they will also help their adult children know their wishes, allowing for important decisions to be made when that time comes.

  1. Durable Medical Power of Attorney
  2. Durable Power of Attorney for financial decisions
  3. HIPAA release form for all physicians
  4. A will, estate plan, or a trust
  5. End of life instructions
  6. Birth certificates
  7. Deeds to the home
  8. Bank account information
  9. Financial account(s) information
  10. Insurance policies
  11. Long term care policies
  12. Veteran’s discharge papers
  13. Death certificate of spouse, if applicable
  14. Divorce decrees
  15. Citizenship papers
  16. Retirement accounts
  17. Debt documentation
  18. Vehicle titles
  19. Online account passwords and access information
  20. Contact information

In this article, we’ll go over the items on the list to explain what they are and why you need them.

If you’re a caregiver to an elderly parent, it is your responsibility to protect your loved one’s legal affairs.

You should have the following information:

  • Are you confident that you have everything required to effectively handle that role?
  • Are you aware of their wishes regarding care needed as long as they are alive?
  • Do you know about their power of attorney?
  • Who has the power of attorney?
  • Do they have enough to pay off their cost of life-long care?

Your parents are counting on you for managing their legal affairs in the event of their death or incapacitation.

“Many seniors are passionate about keeping their financial information private, even from close family members. Problems arise when a family member is not aware of bank accounts, assets, and pensions, or at least where to find that information. Without a clear picture of the senior’s finances, the family may think that their loved one cannot afford the care they need or the care they feel their loved one would choose for themselves. Keeping exact dollar amounts private until absolutely necessary is okay, but make sure you have a lock box or folder that is organized and accessible to the person who would help arrange for your care if you are injured or ill.” – Tiffany Wise, Director of Partnership,

When your parents have entered their golden years, it is critically important to understand their concerns about health care and finances.

From legally binding documents to crucial end-of-life papers, you need to ensure these documents exist and know where to locate them, as this will help you honor your parent’s wishes and give you peace of mind.

BE SURE to update all of your parent’s legal documents every 5 years! In certain U.S. states, they will NOT be honored unless this has been done!

Robert Bernstein, Elder Law Attorney

TIP: It s a good idea to consult with a lawyer to ensure you have all the necessary documents and understand how to use them.

And remember – it’s essential to keep relevant documentation in a safe and accessible place in order to address those issues.

The following should not be taken as legal advice – it is for informational purposes only. Always consult an attorney to get the best legal advice for your particular situation.

1. Durable Medical Power of Attorney (Health Care Proxy)

Also called a Health Care Proxy, Healthcare Power of Attorney, or Living Will, a Durable Medical Power Of Attorney is a type of advance directive that designates a person to make healthcare decisions for you if you are not able to do so.

This document is relevant to people living in nursing homes or assisted living facilities or for those receiving home care. A medical power of attorney is also necessary if the person enters a hospital.

The Medical Power Of Attorney (POA) is one of the key documents on the legal checklist for aging parents because it allows the individual to appoint an agent to act on their behalf in medical matters if they become incapable of making decisions or communicating them.

In fact, when I took my father to the hospital after he suffered a minor heart attack, the very first question I was asked by all providers, as well as the Admitting Desk was if he had a Medical Power of Attorney (and if I was named in it).

The person named as the Medical POA (called the agent) must follow the specific directions given in the document.

They are the legal authority designated to make medical decisions for such situations as whether or not their loved one (the principal) should be put on life support services or if those services should be discontinued.

The POA also designates the agent to make decisions on treatment and treatment plans. They can also decide which doctors or specialists should be consulted for treatment of conditions that were not foreseen in the medical POA.

A doctor must attest to a specific triggering event affecting the principal’s health in order for the Medical POA to be effective (in my dad’s case, my designation as his POA began when he had his heart attack and was admitted to the emergency room).

The Medical Power of Attorney is effective as long as the principal is alive.

2. Durable Power of Attorney For Financial Decisions

A Durable Power of Attorney is a document that gives one individual the legal right to appoint another person to act on their behalf in financial affairs.

A Durable Power of Attorney gives the assigned person the right to make a single, specific financial transaction.

This may include anything related to financial affairs, from selling stocks to managing the sale of an estate, depositing social security checks, writing checks, or opening and closing accounts.

The person with the power of attorney can manage only those assets that are solely in the elderly person’s name.

A power of attorney does not affect the control of trusts or jointly held assets.

Once you obtain a power of attorney document, it may become effective immediately or may come into effect after a specific event in the life of the senior.

For example, a lack of competency could be a reason for a Durable Power of Attorney to come into force.

However, a doctor must attest that the person is incapable of making financial decisions in order for the financial POA to become effective until death.

If your elderly loved one receives Social Security, a regular power of attorney form will not allow someone else to manage their SSI checks.

3. HIPAA Release Form For All Physicians

In addition to the power of attorney, another document on the legal checklist for aging parents is the HIPAA release form.

Most clinics, hospitals, and dental or healthcare providers have their own release forms for patients, which authorizes the disclosure of all or a part of the principal’s health details.

For someone who is willing to plan in advance, it is important to contact all doctors’ offices or medical providers that you or your senior regularly visits. Inquire about their specific procedures and whether they issue any HIPAA release forms.

In my parent’s case, each time they visited the hospital or a new physician, they were asked who (if anyone) they wished to name to be allowed to hear their medical information. Also, their primary care doctor updated this HIPAA release information annually.

While it may seem silly (and can be frustrating), if your parent does not name you in the HIPAA release, the treating medical personnel and facilities cannot give you any information about their condition.

Since health concerns for elderly people often means sudden changes that no one can prepare for (like a heart attack or a stroke), if your senior loved one ends up in the hospital and they are unconscious, they can’t sign a HIPPA form to give you access to their medical records.

Meaning that you’d possibly be left in the dark regarding your parents’ care.

4. A Current, Updated Will, Estate Plan, Or A Trust

Your elderly loved one may decide to sign a will to control the distribution of their estate after their death.

A will is a binding legal document that comes into effect after the death of the individual writing the will (known as a testator).

The will divides the testator’s estate or property according to their wishes, however, they can only divide property that is solely in their name.

A trust is a legal document that allows one person to handle money and property in someone else’s behalf.

The document clearly outlines how inheritance and money should be handled even after the owner’s death.

A trust may be revocable or irrevocable, depending on the owner’s wishes to arrange the protection and disbursement of their assets.

Wills, estate plans and trusts do not apply to the distribution of retirement benefits, life insurance, joint property, or any other asset in trusts. In general, these items will have their own designation of beneficiaries.

For example, when someone takes out an insurance policy, they name who they want to receive the insurance money after their death.

Having a will does not override the beneficiary designation on the insurance policy.

We do recommend that you elder law attorney to do your estate planning and to create these very important documents. See our interview with attorney Robert Bernstein on this matter.

5. End of Life Instructions

Without question, this is the toughest topic to talk about with your elderly loved one. But, it is necessary because you should honor their wishes and without having this conversation, you might never know what they want.

Talking about end of life instructions also allows you to develop a care plan for when the inevitable happens.

Ideally, the senior should make advance care planning decisions about the kind of healthcare they want to receive at the end of their life (do they want to be on life support, etc.)

This may also include other end-of-life instructions for loved ones to follow concerning the elderly parent’s last wishes, such as hospice wishes, organ donation, funeral wishes, and do not resuscitate (DNR) wishes.

DNR: A Do Not Resuscitate document directs healthcare providers not to provide cardiopulmonary resuscitation (CPR) to the individual in the event their breathing is interrupted or their heartbeat stops.

Emergency medical professionals are also directed to discontinue advanced cardiac life support (ACLS) if their heart stops beating.

The person writing the document is stating that they do not want to be put on life support. There may be variations to this concept from state to state.

Hospice Wishes: Similarly, the document on hospice care directs the medical staff to provide healthcare at home or hospital. Since hospice care is primarily a form of palliative care for a terminally ill individual, the document honors the person’s decision to receive hospice care.

Organ Donation: The elder might have some plans for organ donation. Their end-of-life instructions should include any directions for the family and for healthcare providers regarding the donation of specific organs.

Medical professionals can assist bereaved family members in donating their loved one’s organs to honor the deceased’s wishes.

Funeral Wishes: Knowing your elderly loved one’s wishes with regard to burial, cremation, and funerals can alleviate some of the stress and pain following their loss.

The document should inform family members about any burial plot that their loved one has already bought, along with the name, address, and contact information for the cemetery, plus the plot number and location.

Do they have an irrevocable burial trust account or any kind of plan in place for a funeral?

When my aunt passed, she wanted no tears, but instead wished for a lively New Orleans Mardi Gras-type of party.

If she hadn’t talked to her children about this when she was placed under hospice care, we would have given her the somber, respectful funeral that etiquette dictates.

6. Birth Certificates

Seniors (and everyone) should keep their birth certificates somewhere that is accessible to their adult children or other loved ones.

If they don’t have a certified copy of their birth certificate, one can usually be ordered from the county in which the person was born.

Birth certificates are required for everything from obtaining a driver’s license or passport, to use as a voter ID in some states.

7. Deeds To The Home

Should the senior need to sell their house or be removed from the home (or pass away and the house sale will settle the estate), can these documents be located?

8. Bank Account Information

Adult children should at least know at which institutions their senior parents do their banking.

And, although this may not work for some families, I strongly recommend that the senior keep at least one bank account that is joint with an adult child, an adult grandchild, or someone they can trust with the money.

The amount in the account does not have to be huge, but it should be enough to potentially help pay bills or funeral expenses should the senior person be unable to take care of their bills.

If this is not in place, the senior’s relatives will be forced to either pay out of their own pockets until the person can resume taking care of their bills (or the estate is settled) or the accounts may go into collection.

My father had listed me as a joint owner on his accounts, so when he passed, my sister and I had funds available to pay for his funeral expenses and didn’t have to dip into our own money.

Even though I cancelled his phone, cable, and gave notice on his apartment, those bills still had to be paid either up to the date of cancellation or until the 30-day notice was met.

This could have been a financial hardship for us, had he not put me on the accounts.

In addition, there are millions of dollars in unclaimed money in bank accounts across the country that were owned by people who have since passed away (or have moved and forgotten they had the account).

My mom was big on squirreling money away in bank accounts that periodically offered better interest rates. As a result, she had accounts in several financial institutions.

Thankfully, she had made a list of the bank, their address, and the account numbers so I knew how to track down the money after she passed away.

9. Financial Account(s) Information

Just like with bank account info, the information for your parent’s financial resources, such as their stocks, bonds, and brokerage accounts, should be recorded somewhere – along with their account numbers and contact information.

If your parent uses a financial planner – you may want to have a consultation with him and your parents to find out what he/she recommends if and when your parent(s) pass away or become incapacitated.

10. Insurance Policies

Should the senior need medical attention, do you know who their insurance carrier is, aside from Medicare?

Many seniors have a supplemental policy to cover what Medicare doesn’t. Do they have Medicaid, as well?

In addition, there should be a record of any life insurance policies, accidental death policies, etc.

11. Long Term Care Insurance Policies

If you’re stepping into the role of caregiver for an elderly parent, it’s crucial to get your hands on their Long-Term Care Insurance Policy if they have one. Why, you ask? Well, it’s simple.

This policy is your roadmap to understanding what services are covered and how to go about claiming these benefits when the time comes for them to give up independent living.

A Long-Term Care Insurance Policy is a type of insurance designed to cover the costs of long-term care services, most of which are not covered by traditional health insurance or Medicare.

These include services in the home, such as assistance with Activities of Daily Living (ADLs), as well as care in a variety of facility and community settings.

The specifics of what a policy covers can vary, but generally, long-term care insurance can cover the cost of such things as:

  1. Home care: This includes services like nursing care, physical therapy, or help with daily activities such as bathing, dressing, and eating.
  2. Assisted living facilities: These are residential communities that provide help with daily activities and medical care as needed.
  3. Adult day care services: These are programs that provide care and companionship for seniors who need assistance during the day.
  4. Respite care: This is temporary care provided in a nursing home or assisted living facility so that family caregivers can rest or take time off.
  5. Hospice care: This is end-of-life care for terminally ill patients and support for their families.
  6. Nursing home care: This includes medically necessary care for patients who have severe health conditions and need round-the-clock care.
  7. Memory care: This is specialized care for individuals with Alzheimer’s disease or other forms of dementia.

Keep in mind that it’s not just about knowing what’s covered, however. You also need to familiarize yourself with the nitty-gritty details of the policy.

I’m talking about things like any waiting periods that might apply, the daily benefit amounts, the duration of the benefit periods, and whether the policy includes inflation protection.

This might seem like a lot of fine print, but it can make a world of difference in the care decisions you may someday have to make for your elderly parent.

12. Veteran’s Discharge Papers

My dad was a WWII veteran (Army) and my husband is a vet, too (Air Force).

When vets are discharged, they receive discharge papers that are needed for such things as VA benefits, reduced mortgage rates, VA pensions, etc. In my case, my husband is retired from the Air Force, so I will need his discharge papers to claim my spousal benefits if he passes away before me.

Veterans can be buried in a military cemetery free of charge, if they were honorably discharged. You will have to provide their discharge papers to get this benefit.

Also, my father was given military honors at his funeral and we received a free headstone plaque for his grave (again, we needed his discharge papers to get these honors).

13. Death Certificate Of Spouse, If Applicable

When my mom passed, we needed her death certificate to transfer everything that had been jointly owned by her and my father into accounts that were only in his name.

We also needed it in order to sell their jointly owned home.

Did you know that the IRS still requires a final tax return after a person passes away? Read our article, What Happens If You Don’t File Taxes For A Deceased Person.

14. Divorce Decrees

If the senior has been divorced, having divorce decree available will spell out any conditions that adult children should be aware of.

Maybe the decree designates that one spouse covers the ex-spouse under their medical insurance, for example. This would come into play if the senior needed medical care.

15. Citizenship Papers

Adult children or the relatives who are caring for an elderly loved one should be able to locate citizenship papers if the senior has become a citizen.

16. Retirement Accounts

Retirement accounts include pension benefits, 401(k) accounts and annuities.

My dad was a member of the Teamster’s Union.

When he was 96, his Teamster’s life insurance ended (apparently, you’re too old to need life insurance if you are 96!). I didn’t even know he had that coverage until we got the notice (he had forgotten).

A patient of mine just recently began receiving his deceased mother’s pension benefits. He didn’t know he was even entitled to them, because he had no information about her benefits.

The company actually tracked him down (which I find astounding!).

Knowing this information ensures that the individual and their heirs receive the benefits they deserve.

17. Debt Documentation

This includes information for credit cards, loans, purchase contracts, rental agreements, etc.

These accounts will all need to be paid on if the person is in the hospital for a long period or is entering rehab, assisted living, or a long-term care facility.

Additionally, someone will have to notify these accounts to cancel them, should the person pass away.

18. Vehicle Titles

If your senior parent can no longer drive or becomes incapacitated, someone will need to sell their vehicle, so the title should be kept in an easily accessible place (and someone should know where that place is!).

19. Passwords And Online Account Information

Think about it. Many seniors probably have a slew of online accounts, from email and social media to online banking and medical portals. They might even have digital assets like eBooks, digital photos, or cryptocurrency.

If they ever needed an adult child or someone else to step in to manage their affairs efficiently and effectively, that person would need to know how to get into them.

While the senior doesn’t have to hand over this access today, putting it all down in a password book or creating a document on the computer will make life so much easier for someone else to help them if it comes to that.

20. Contact Information

Imagine you’re stepping into the role of caregiver for your elderly parent. You’re not just taking care of their day-to-day needs, but you’re also stepping into the hub of their personal network. That’s where a list of important contacts comes in.

This isn’t just a phone book we’re talking about. It’s a lifeline. It’s a directory of the key players in your parent’s life – their doctors, lawyers, financial advisors, and other important individuals.

Be sure they include people they would want to have notified if there was an emergency or if they passed away.

Why do you need this, you ask? Well, let’s paint a picture.

Say your parent has a sudden health issue. You’ll need to be able to quickly reach out to their healthcare providers.

Or maybe there’s a legal question about their estate. You’ll want their lawyer’s number at your fingertips.

And when it comes to managing their finances or taxes, having their financial advisor on speed dial can be a godsend.

But it’s not just about emergencies or big decisions.

It’s also about the day-to-day management of your parent’s affairs. It’s about being able to coordinate with these individuals to ensure your parent’s needs are being met and their wishes respected.

Wrapping Up

From power of attorney forms to insurance policies, from bank account details to contact lists, each piece of information on this legal checklist is a tool in your caregiving toolbox.

They’re not just pieces of paper or digital passwords. They’re keys that unlock doors, helping you navigate the road ahead and ensure your parents get the care they deserve.

Yes, it can feel overwhelming. But take it one step at a time. Gather these documents bit by bit. Before you know it, you’ll have a comprehensive resource that will make your caregiving journey smoother and more manageable.

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