In 2012, my life changed. From being on the road touring as a professional drummer, I suddenly had to come off the road and take care of my mother. She became ill and needed more hands on care. I became her primary care giver.
Prior to her becoming very ill, my mother assigned me as her power of attorney, we completed her advanced directive, updated the beneficiaries on her life insurance policies, and established a joint bank account. Also, we had those hard conversations about her last wishes. We did not complete a will, because she did not own a house, car, and no major assets. I paid off all of her debt.
There was continuous communication with her doctors, health insurance, disability, employer, etc. Having those documents completed, provided more focus on her care. January 2015, my mother took a turn for the worse. Because we completed her Advanced Healthcare Directive, my siblings and I were not bickering about what to do. Her instructions were carried out, and she died peacefully.
I speak from experience, the importance of having a plan in place for protection. Because we never know what can happen.