Retirement & Financial Planning Report

Ask your chosen candidate if he or she is willing to serve, before naming anyone in a document. Image: sirtravelalot/Shutterstock.com

A health care proxy lets you name someone who can make decisions about your medical care if you can’t make them yourself.

Therefore, such a document may spare you and your family from expensive disputes if you are stricken by a serious illness or injury. (This document might be known as a power of attorney for health care in some states.)

Ideally, the agent you name as your health care proxy will be someone who has some knowledge of medical care – or at least is able and willing to learn what’s needed. In addition, this person must be able to make reasoned decisions under stress.

Ask your chosen candidate if he or she is willing to serve, before naming anyone in a document. Similarly, locate a willing replacement if your first choice is not available.

Your health care proxy should authorize the release of your medical history to the people you’ve named. They might need this information to make reasoned decisions and federal law may prohibit the release of your records, without explicit authorization.

Your state probably offers a free copy of its health care proxy form online.

Regardless, here are some key considerations when naming someone to make these critical and personal decisions on your behalf:

Trust: Choose someone you trust to make healthcare decisions in line with your values and wishes.

Capable: Ensure the individual is comfortable taking on the responsibility and can handle high-pressure situations.

Available: Select someone who is available and accessible, especially in emergencies; Your niece may be a partner at a law firm but simply not have capacity to take this on.

Clear communication: Confirm he or she understands your medical preferences and are willing to advocate for them.

Legal: Verify they meet any legal requirements in your state for acting as a health care proxy.

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