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Watching my grandmother write her will made me realize planning for the future can't wait - Business Insider

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Consider having these kinds of conversations over the holidays, difficult as they may be. It's a good time to take a gentle and loving approach to estate planning

Each day, my phone rings again and again. I might get three voicemails, or it might be more than 10, depending on whether my dad is having a good day or a bad one.

I fought tooth and nail to get my dad into the home and to help him qualify for the federal and state disability benefits and insurance programs that pay for his care, after a hospital social worker offered to drop him off at a shelter. could undo my hard work, and jeopardize my dad's living situation. "Estate planning" sounds like a problem for the rich; for families who have trust funds and financial advisers.

I've tried to talk with my grandmother about how her gift could make my father's life worse, not better. But it's a sensitive subject, and we never seem to make any progress. Instead, I'm left bracing for a crisis if she dies before my father.

 

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