Serious Diagnosis

Get this handled. Then focus on everything else.

Having your documents in order means fewer decisions for your family — and more energy for what matters now.

Why estate planning matters after a diagnosis

You have enough to manage. The goal here is to take decisions off the table — for you and for your family.

When your documents are current, the people around you have clear authority to act. No scrambling, no court petitions, no guessing what you would have wanted. You decide now, while you can, and then you're done.

This is one of the few things on your list you can finish completely.

What you need to know

1

Healthcare directive

Put your medical preferences in writing — resuscitation, life support, pain management, comfort care. This removes the burden of guessing from the people who love you.

2

Healthcare proxy

Name someone to make medical decisions if you can't communicate. Make sure they know your wishes and are willing to advocate for them.

3

Financial power of attorney

Name someone who can pay bills, manage accounts, and handle financial matters if you're unable to. Without this, your family may need court approval to access your own money.

4

Beneficiary review

Retirement accounts and life insurance pass by beneficiary designation. Confirm the names on file are current and correct.

5

Trust review

If you have a trust, make sure it's funded — that assets are actually titled in the trust's name. A trust only controls what's in it.

6

Final arrangements

Writing down your preferences — burial, cremation, service details — means your family won't have to guess or disagree during an already difficult time.

Your serious diagnosis checklist

Sign a healthcare directive documenting your medical preferences

Create a Healthcare Power of Attorney naming your proxy

Review beneficiaries on retirement accounts and life insurance

Confirm your trust is funded and current

Name (or confirm) your successor trustee

Tell your healthcare proxy where to find your documents

Tell your financial agent where to find your documents

Write down your preferences for final arrangements

Let your family know the plan is done

Frequently Asked Questions

The healthcare directive and powers of attorney are the priority — those give your people authority to act. If you can complete them this week, do it. The rest can follow. What matters is that someone can make decisions on your behalf if you're unable to.

You need to be able to understand what you're signing and express your wishes clearly. If there's any question, get it done now rather than waiting. If capacity is already significantly impaired, your family may need to pursue a court-appointed guardianship or conservatorship — which is exactly what these documents are designed to avoid.

Someone who will advocate for your wishes, even under pressure. That's not always the person who loves you most — sometimes it's the person who can stay calm in a crisis and push back on doctors or family members if needed. Make sure they know what you want and are willing to follow through.

You can still sign healthcare directives and powers of attorney — those work regardless of whether you have a trust. If you have time and energy, creating a trust now avoids probate for your family later. If you don't, focus on the healthcare documents first.

Yes. Healthcare directives, powers of attorney, and trusts can all be updated as long as you have capacity. If your situation, preferences, or relationships change, you can revise your documents. Nothing is permanent until you're no longer able to make changes.

Free tools to help

Documents and calculators to guide you through the process.

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