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Essential Documents Every Family Should Have in Place

  • Mar 13
  • 2 min read

Help your family make sure your wishes are honored and that they are protected from the agony of making critical decisions without guidance during the worst moments of their lives. The following documents are essential. If you don't have them, please contact an estate planning professional today.

HEALTHCARE DOCUMENTS

ADVANCE DIRECTIVE (LIVING WILL): Documents your wishes regarding life-sustaining treatment, CPR, mechanical ventilation, and artificial nutrition. State-specific forms are available from your state health department or through your hospital's patient advocacy office.


HEALTHCARE POWER OF ATTORNEY (DURABLE POA FOR HEALTHCARE): Designates a specific person to make medical decisions on your behalf if you cannot. Must be signed, witnessed, and in some states notarized. Give copies to your physician, your hospital, and your designated decision-maker.


POLST / MOLST FORM: Physician Orders for Life-Sustaining Treatment. A medical order that is signed by a physician travels with the patient and directs emergency responders and healthcare providers. Particularly important for those receiving home care.

FINANCIAL AND LEGAL DOCUMENTS

WILL: Directs how your assets will be distributed after death and names a guardian for minor children. Should be reviewed after any major life change.


DURABLE POWER OF ATTORNEY (FINANCIAL): Designates someone to manage your financial affairs if you become incapacitated. Different from healthcare POA.


TRUST (if applicable): Can simplify asset transfer, avoid probate, and provide structured support for minor or dependent family members. An estate attorney can advise whether a trust makes sense for your situation.


BENEFICIARY DESIGNATIONS: Review all accounts (retirement accounts, life insurance, bank accounts) to confirm beneficiary designations are current. These designate override your will."

PRACTICAL ORGANIZATION

  • Compile all documents in a clearly labeled folder or binder

  • Store the originals in a fireproof location (safe, safety deposit box) and copies in an accessible place at home

  • Inform key family members where the documents are

  • Review and update documents annually or after any major life change

  • Consider using a secure digital storage service for backup copies

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