What are advance directives for health care?
Advance
directives are legal documents that can help ensure that a person’s independent
wishes regarding health care will be followed.
The most important documents for this purpose are the designation of
health care surrogate and the living will.
Why is it important to have advance directives for health care?
A
designation of health care surrogate can help avoid uncertainty regarding who
would be able to make health care decisions for the principal (the person
making the designation).
The living will
allows the principal to state in advance his directives about whether
artificial life-prolonging procedures should be applied in certain extreme
situations.
These documents also can
preserve independence and avoid expense and delay by helping to avoid the need
for guardianship.
What would happen if I did not have advance directives and the time came when I was no longer able to make my own medical decisions?
Under
Florida law, health care providers could attempt to locate a health care proxy.
Section 765.401, Florida Statutes (2018) sets out a prioritized list of those
who might be able to act as your health care decision-maker.
If no one in an upper category can be found
or is willing to serve as proxy decision-maker, the provider may seek a proxy
from the next lower tier. One problem is that the person found might not be
someone you would choose to allow to make your decisions; another is that
critical time might be spent searching for a proxy. If no proxy can be found,
or if certain other circumstances exist, a guardianship might have to be
established.
Guardianship
What is a guardianship?
If a person becomes incapacitated to make his own decisions, a court may appoint a guardian to take over some or all of the person’s decisions. A guardian of the person can make personal decisions for the ward, such as medical and residential placement decisions. A guardian of the property can manage the ward’s assets. A plenary guardian can make decisions of both types. Most guardianships are plenary.
What are the pros and cons of guardianship?
Having
an appropriate guardian means that an incapacitated person’s financial,
medical, and social decisional needs can continue to be met. A guardian
generally must receive training and is accountable to the court for decisions
that are made on a ward’s behalf. Annual accountings and reports must be made
to the court. However, guardianship is expensive, time-consuming, and
generally, the ward’s legal right to make decisions is taken away. If less
restrictive alternatives like health care advance directives and financial
documents are in place that appropriately name agents to take care of the
alleged incapacitated person’s needs, guardianship might not be necessary.
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Health Care Surrogate
What is a designation of health care surrogate?
A
designation of health care surrogate is a health care advance directive
document that enables the maker to legally authorize a chosen person to make
health care decisions if needed. Designation of a health care surrogate can
avoid the loss of time that could occur with attempts to find a proxy
decision-maker or set up a guardianship, can help avoid the possibility of
unwanted persons becoming decision-makers under the proxy law and the
uncertainty of who might be able to make decisions as guardian, and can help
avoid the expense and loss of rights involved in guardianship.
Because the health care surrogate is required
by law to make decisions as the principal would have decided, if those decision
are known, it also can help to preserve independent decisions of the principal
even when he is incapacitated to speak for himself.
When
is a health care surrogate able to make decisions for me?
Under
a traditional health care surrogate designation, the surrogate can only make
decisions for the principal if the principal’s doctor has determined the
principal is unable to make his own decisions at that time, and the doctor has
noted that in the medical record. If there is any question as to the
principal’s capacity to make his own decisions, the doctor must consult with
another physician and agreement that the principal is incapacitated must be
entered in the patient’s medical record before the surrogate can act. Since
2015, Florida law has allowed a principal to either make that traditional type
of health care surrogate designation or in the alternative, one that allows the
surrogate to make health care decisions for the principal at any time. However,
even if the surrogate is granted that right to make decisions at any time, the
doctor must consult with a principal who is still capacitated and if there is
any difference of opinion, the principal’s decision overrules that of the
surrogate. Another change in the law in 2015 gives the option to a principal to
choose in his designation document whether or not to authorize the named
surrogate to be able to access the principal’s medical information at any time,
regardless of whether the principal is authorizing the surrogate to make
decisions at any time or only when the principal cannot make his own
decisions.
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Living Will
What is a living will?
A
living will allows the principal to direct in advance what his personal
decisions are regarding whether or not artificial life-prolonging procedures
should be applied if the principal were to be in an end-of-life type situation
or vegetative state. It can be specific or general. In addition to giving the
principal more control over what will happen to him even at a time when he is
unable to speak for himself, having a living will in place can avoid painful
family conflict. It can give the patient’s family the comfort of knowing that
they are allowing the loved one’s wishes to be followed and it relieves them of
having to make those difficult decisions, themselves.
When are the decisions in a living will applied?
A living will only applies in very limited circumstances: when a patient can no longer speak for himself and his own doctor, plus a consulting doctor, both agree that the patient is either in a terminal condition, an end-stage condition, or a vegetative state, and that there is no reasonable medical hope of recovery.
What artificial life-prolonging procedures are involved?
Artificial life-prolonging procedures that can be provided or withheld include procedures, treatments, or interventions that sustain, restore, or supplant a spontaneous vital function -- in other words, procedures that keep up, restart, or stand in for a function that a body normally does automatically to keep a person alive. Some examples of life-prolonging procedures are: CPR if the heart stops, placement on a ventilator if lungs are not functioning properly, and insertion of a feeding tube if there is a loss of the ability to swallow.
If my living will says I do not want artificial life support provided, how do I know I will still get pain medication?
Florida law provides that if the living will is being followed and artificial life-prolonging procedures are being terminated or withheld, the patient will still receive pain relief and comfort care.
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Durable Power of Attorney
What is a power of attorney?
A
power of attorney is a legal document in which a principal authorizes an agent
who can take actions concerning the many of the principal’s financial, legal
and/or medical matters as if the agent were actually the principal.
It can be general, covering just about any
such decisions, or it can be limited to just certain areas or items of
decision-making. A regular power of attorney is only usable as long as the
maker is mentally capacitated.
However,
a durable power of attorney is still usable after the principal becomes
incapacitated.
How can a general durable power of attorney help me?
If
it is right for a person and the agent is completely trustworthy, a durable
power of attorney can be very helpful.
This is especially so in the event of the incapacity of the principal,
because, depending on the authority that has been granted, the agent can use it
to help the principal by doing things like paying bills for the principal using
the principal’s account, arranging for repairs on real or personal property and
obtaining loans if necessary to cover those repairs, hiring attorneys or
service providers, and even selling the principal’s house to provide funds for
the principal’s care.
Is a general durable power of attorney right for everyone?
The
durable power of attorney is a double-edged sword. It can be extremely helpful,
but in the wrong hands, it can be extremely dangerous. The agent has a duty to
use your resources only for your benefit, and can be sued if he misuses assets.
However, it may be hard to recover the funds after the document has been
abused. Third parties relying on the presentation of a valid durable power of
attorney are generally protected from suit. It is extremely important that a
principal only give these powers to a person the principal completely trusts.
What if I change my mind about having given an agent powers under a durable power of attorney?
A principal may revoke a power of attorney at any time that he is still capacitated. However, the law provides for notice to be given in very specific ways. The assistance of an attorney is extremely important in revoking a power of attorney, to ensure it is done correctly. An elder law attorney specialist would be most knowledgeable in this area.
My Florida durable power of attorney says that I give the agent the right to make health care decisions. Does that mean it is the same as a health care surrogate designation?
It
has a similar effect, but is not quite the same.
Florida Statutes Chapter 765 lays out
specific rules regarding when and how health care decisions can be made by a
health care surrogate.
As stated above,
a traditional health care surrogate designation is only usable when the
principal’s attending physician has determined that the principal lacks
capacity to make his own health care decisions, and the physician has entered
that fact into the principal’s medical record. If the attending physician has
any question as to whether the principal is capable of making his own decisions
at that time, a second physician has to record his agreement as to the
patient’s incapacity in the patient’s medical record before the surrogate under
a traditional designation can be called upon to make decisions.
A recent change in Chapter 765 lets a
principal make either this traditional designation of health care surrogate
that is only effective when the principal is not able to make his own decisions
or to create one that is immediately effective, allowing the surrogate to make
decisions for the principal at any time. Regarding the immediately effective
option, the law provides that if the principal is still capable of
decision-making, the principal will be consulted and the principal’s own
decisions will overrule any differing decision made by the surrogate. Another
recent change in Chapter 765 lets the principal choose to authorize the
surrogate to receive medical information at any time, even if the surrogate is
not allowed to make decisions until the patient is incapacitated. A Florida
durable power of attorney made after October, 2011 and most made before that
date is usable the day it is signed and per section 709.2201, Florida Statues
(2018), authority granted can be specified to include the more general wording,
“without limitation, the authority to . . . make all health care decisions on
behalf of the principal, including, but not limited to, those set forth in
Chapter 765.”
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Revocable Living Trust
What is a living trust?
A living trust is a revocable trust that allows the grantor to name a trustee and succesor trustee(s) who can manage financial assets that are put into the name of the trust. With proper wording and execution, and
if assets are properly put into the trust, a living trust can be used to help
avoid the need for guardianship over the grantor in the event of the grantor’s
incapacity, and it can be used to help avoid, or to reduce the number of assets
going through, probate after the death of the grantor. Problem areas may
include the possibility of abuse by the trustee, the cost, and lack of proper
funding of the trust.
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Wills
I’m confused. I keep hearing about living wills, wills, and living trusts. Are they all the same thing?
The
names are confusingly similar, but these are completely different legal
documents. A living will is a document that deals only with end-of-life health
care decisions.
A living trust is a
document that concerns management of financial assets during, and usually
after, the principal’s lifetime and possibly, avoidance of probate. A will
(also known as a “testamentary will”) is a document that allows you to designate
how your probate estate property should pass after your death.
What is the best way to get these documents?
Advance
directives for health care involve potential life-or-death decisions for
you.
Financial decision-making documents
generally involve the control and management of all that you own.
Sometimes, people have used forms that turned
out to not meet all the requirements of current Florida law, or that were only valid
until the principal became incapacitated and really needed the help, or they
made mistakes when executing otherwise-valid documents on their own that made
either the entire document invalid or certain powers needing separate execution
invalid. Particular wording, and actions like separate signatures in order to
grant certain powers, may be necessary for these documents to meet a person’s
specific needs. For these reasons, it is best to seek the assistance of an
attorney in deciding if these are right for you, and with creating and executing
the documents properly. An elder law attorney would be the most knowledgeable
in this area.
Many legal services or
legal aid programs with elder law projects may be able to provide free
assistance with these documents to eligible clients.
Where
can I learn more about these documents?
Laws
change frequently. For instance, major changes in these areas were made in 2011
and 2015.
It is good to periodically
consult with the attorney of your choice to see if your documents should be
updated. This educational document was most recently updated on March 4, 2019,
and changes may have occurred if you are reading it after that date. You may
view current Florida Statutes at
http://www.leg.state.fl.us/Statutes. The Florida Bar, at https://www.floridabar.org often offers online consumer brochures on these matters on
its “For the Public” Consumer Information page.
Updated March 4, 2019
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