When Mom ends up in the hospital, the first questions come fast. Which insurance does she have? What medications is she on? Who’s her doctor? Where’s the power of attorney? If you have to go hunting through drawers at a moment like that, it’s twice as hard.
Getting the papers organized before something happens is one of the kindest things a family can do. Here’s a simple way to start.
Step 1: Have the conversation
Sit down together, without rushing. Explain that you want to be ready to help their way if something happens. Our free 10-point final arrangements discussion guide can help you get started.
Step 2: Gather everything into one place
Use this checklist:
Personal & ID
- Driver’s license or state ID, Social Security card, Medicare card, birth and marriage certificates, military discharge papers (DD-214)
Health
- Insurance cards (Medicare, supplement or Advantage plan, Part D)
- Medication list with doses, allergies, past surgeries
- Doctors, pharmacy and preferred hospital
Money
- Bank and retirement accounts, pensions, Social Security
- Monthly bills and how they’re paid (automatic or by check)
- Property deeds, car titles, loans
Legal & wishes
- Will or trust, power of attorney (financial and healthcare), advance directive or living will
- Funeral or burial wishes and any prepaid plans
- Life insurance policies and beneficiaries
The house
- Who fixes the furnace, the roof, the plumbing
- Utility companies and account numbers
- Where the spare key is (consider a key lockbox)
Step 3: Write it down, and keep it updated
You can use a binder, a folder or a fillable PDF. Or use The Living Legacy Planner, the book I wrote for exactly this. It has a place for every item above, plus room for memories and wishes. Readers tell me it’s large, sturdy and easy to write in, even with shaky hands. For caregivers, our fillable medication tracker and caregiver hand-off organizer are instant downloads.
Step 4: Tell the right people where it is
A planner nobody can find doesn’t help. Make sure at least two trusted people know where it’s kept. Keep originals of legal documents safe, and keep copies where you can grab them.
Step 5: Look at it once a year
Pick a date, like a birthday or New Year’s Day, and review it together. Medications change. Accounts close. Wishes change too.
I’m not a lawyer, and this isn’t legal advice. For wills, trusts and powers of attorney, please talk with an elder law attorney. Find one near you. If you want help getting started, give me a call.