Durable Power of Attorney vs Health Care Proxy
When it comes to your end-of-life arrangements, there’s a lot to think about. One of your worries might be leaving behind directions for your end-of-life care in case you aren’t able to make the decisions yourself. There are two documents that can give authority to your loved ones to make health care related decisions for you: a health care proxy and a durable power of attorney. While similar in allowing your loved one to make decisions on your behalf, there are subtle differences between durable power of attorney vs health care proxy.
What is a durable power of attorney?
A durable power of attorney is a legal document that appoints an individual (‘the agent’ or ‘attorney-in-fact’). While there are specific types of powers of attorney, the specific type that works in relation with a health care proxy is a medical power of attorney. An individual specified within this document is given financial authority to care for your medical treatment decisions if you are unable to consciously consent yourself. The document is ‘durable’ due to its “durability” in the case that if you become mentally incapacitated, the document still holds as valid.
What is a health care proxy?
Although the law differs slightly depending on which state you reside in, a health care proxy is generally a legal document that appoints an individual (‘the agent’) to have authority over your health care decisions in the case that you are unable to consciously consent to the procedure yourself. The health care proxy will be in charge of overseeing your care alongside your living will.
Your agent should be someone close to you: your partner, family, or a close friend. Within the document, the agent will have the authority to make decisions as if they were you, so make sure you choose someone you absolutely trust, and be sure to update the document every recommended ten years.
Attorney vs Proxy
Both documents are useful to have. Anyone over the age of 18 can authorize an individual, or individuals, within the documents.
While an agent under a health care proxy can make decisions on your behalf, your attorney-in-fact has the legal capabilities to make financial decisions on your behalf. Both titles can be held by a single individual, but if they are held by two separate people, there may be more gray area when making a decision. Both documents can be drafted to be as specific as you want, so if you do choose two separate people, make sure their individual capabilities are outlined ahead of time in the documents. A living will can also be a useful document, explicitly outlining your treatment preferences so an agent won’t have to make a tricky decision on your behalf.
Due to the difficult legal intricacies of end-of-life care, it’s suggested to start early. Only about a third of Americans have any type of advance medical care directive, but you can prepare these documents at any time once you are of legal age. At Tulip Cremation, we hope to be another resource for you through your end of life planning. We offer a simple, high-quality direct cremation service, as well as a number of plans to suit your needs. Whether you’re planning for far into the future, within the next six months, or if you need to help a loved one immediately, we have a service for you. If you are ready to continue on, or if you just want to learn more about us, contact our 24/7 Family Care Team at (844) 942-4909 or arrange online.
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Planning for the uncertain future is a complex process. Most people believe that drawing up a will is sufficient, but several other documents are necessary to create a comprehensive estate plan that will safeguard a senior’s health and finances.
A reputable elder law attorney can assist with creating a personalized plan, but it is helpful to familiarize yourself with some basic legal forms and documents before estate planning begins.
Definitions of Commonly Used Estate Planning Documents
Will
A last will and testament indicates how a person’s assets (estate) will be distributed among beneficiaries after they pass away. The writer of the will (known as the testator) can also specify an individual (known as the executor or personal representative) to manage the probate process and distribution of the estate. A will does not take effect until the testator dies.
Advance Directives
Advance directives are written instructions and preferences for future medical care in case you are unable to make or communicate decisions (for example, if you are unconscious or mentally incapacitated). These are also called health care directives. There are a few different forms and documents that can be used to articulate one’s health care preferences.
Living Will
Unlike a traditional will explained above, a living will only applies while a person is alive. A living will goes into effect when the person who wrote it is no longer able to communicate their wishes for health care or competent to make such decisions. This document is a type of advance directive that describes how a person wants their emergency care and/or end-of-life care to be managed.
Many people have strong opinions regarding life support, and a living will allows one to specify which life-sustaining procedures one does or does not want. It is important to be specific when composing a living will, but it is not possible to describe preferences for all medical scenarios. Working with a physician and an elder law attorney will ensure that these instructions are clearly articulated and the document meets specific validity requirements in one’s state of residence.
Do Not Resuscitate (DNR) Order
A DNR form is completed by a physician or health care provider stipulating that a patient does not wish to receive life-prolonging treatment if cardiac arrest or respiratory arrest occur. These procedures include CPR, intubation, use of a ventilator, defibrillation and other related methods of resuscitation.
Obtaining a DNR does not affect the provision of other medical treatments or care. DNR forms are typically completed by a physician at a patient’s direct request or in accordance with a patient’s living will or other advance directives. DNRs are often obtained by individuals with a terminal illness, those who are opposed to certain life-saving measures, and those who are at risk of cardiac or respiratory arrest.
Read: What Is a Do-Not-Resuscitate Order and How Does It Work?
Physician Orders for Life-Sustaining Treatment (POLST)
Some states have replaced or supplemented DNR orders with POLST forms. They are very similar, but POLST forms go into further detail regarding specific treatments such as antibiotics and feeding tubes. Like DNR orders, POLST forms are intended to be a condensed version of your living will that medical professionals can quickly and easily consult when deciding on a plan of care.
Read: POLST Programs: When Advance Directives Aren’t Enough
Powers of Attorney
Power of attorney (POA) documents allow a person (the principal) to give a trusted individual (the agent) the ability to make decisions on their behalf. A POA can be written to grant an agent the ability to act in very broad terms or to only take specific actions. This document can also be customized to take effect upon its creation (durable POA) or upon the principal’s incapacitation (springing POA). If a person becomes incapacitated without drawing up POA documents, their family members may have to go through the long and expensive process of seeking guardianship or conservatorship to be able to manage their affairs.
Read: How to Get Guardianship of a Senior
In addition to the various terms that are possible for a POA document, there are two general areas in which powers of attorney are granted: health care and finances.
Health Care Power of Attorney
A health care POA document gives a designated person the authority to make medical decisions on behalf of the principal. A medical POA essentially gives someone you trust the ability to oversee your medical care and ensure that your advance directives are followed if you become incapacitated. Without appointing a POA for health care, your family members may not be able to access your medical information or actively participate in decision making. Medical POA is sometimes referred to as a health care proxy.
Financial Power of Attorney
This type of POA document gives a designated person the authority to make legal and/or financial decisions on behalf of the principal. When someone becomes incapacitated, whether permanently or temporarily, bills and other financial matters do not stop. Without a financial POA, bills may go unpaid and family members may not be able to access accounts to cover health care costs.
The type and extent of an agent’s powers are entirely customizable. For example, the agent may be authorized to manage all of a principal’s finances and property, or they may only be able to oversee certain investments or transactions.
Consult an Elder Law Attorney to Create an Estate Plan
While there are many resources available to help families plan for the future and navigate legal issues, an experienced elder law attorney can learn about your situation and recommend the best course of action. To find a legal professional near you, visit AgingCare’s Elder Law Attorney Directory.