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Elderly parents

What do you wish you'd talked about earlier?

55 replies

FusionChefGeoff · 18/10/2023 14:02

Thanks to these boards, I was a proper Adult recently and suggested to my parents (just turned 70 and in excellent health) that we start having roughly annual 'state of the nation' chats so that it's easier if / when we NEED to have a chat or in case one of them is taken ill very suddenly.

Idea is to get some basic info but also topics that the answer will change as they get older. So for now, answer to most is 'not applicable' at least it's on the table for later.

They have already given me POA financial and medical.

What should we have as the topics for discussion??

I'm thinking:

Housing - when to downsize / move closer to us or DB / local facilities etc
Health - how is everyone generally, any consultants / hospital details that would be useful
Treatment - at what point (if any) would they not want all efforts to be made to save them
Insurances - what do they have / cover / policy details
Money - bank accounts and passwords / investments eft
Pensions - as above, what, with who and how would we access
Help - quick review of cleaning / garden / food shopping etc
Driving - still a good idea?
Seeing / caring for grandkids - too much or still ok?
Friends / hobbies / social - still OK or need to find something to keep occupied
Mental health - how are they feeling

Any specifics or general ideas all gladly welcomed

OP posts:
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NewspaperTaxis · 04/12/2023 12:30

EmotionalBlackmail · 24/11/2023 14:24

There are inaccuracies above. Hospitals and care homes don't 'bump off' elderly people with opiates or dehydration. Yes, hospitals in particular can be rubbish at communication.

As people approach their final days their appetite naturally diminishes as their organs begin to shut down and their body stops being able to process food and fluid. So sticking them on an IV would be cruel and pointless. Good mouth care is crucial (little sponge things to moisten the lips and mouth) at this stage.

Opiates are often prescribed so they aren't in pain, possibly using a syringe driver the person can control themselves. But TBH after Shipman I'd be more worried about not enough pain relief being available than too much!

Well, I think you'll find they do, @EmotionalBlackmail I take it you've heard of what went on at the Gosport War Memorial Hospital some years ago. It's a matter of public record that opiates were prescribed, but to date nobody has ever got into trouble over this, despite numerous police 'investigations' by different forces, each one taking its time. I see all that as a dress rehearsal for what went on during lockdown.

There's a reason why my sister and I had to take it in turns to visit Mum in various Surrey care homes to give her drink, while all our appeals to the manager fell on deaf ears. It took us way too long to figure it out, though when you do it makes no difference. It seems to be authorised at the highest level.

I'm not talking about folk approaching their final days. I'm talking about the State pushing them towards their final days. To save money on pensions and prescriptions, and to get a nice inheritance tax boost.

St Helier Hospital local to me has been accused of euthanasia in this report which sadly never made it into the print version of the local paper. When we got Dad into Epsom General Hospital in late April this year we ran up against some very odd, nasty behaviour at the Acute Medical Unit (AMU) and we had to produce a hard copy of the LPA in Health and Welfare to get him out. The person in charge there pored over it for a loophole, had us surrounded by all her work colleagues on the ward suddenly, one of them whipping out a smart phone to film what looked like an engineered confrontation - we didn't rise to it but just got him out. I don't think they was motivated by tender care for Dad.

Sadly, in October this year when Dad was significantly more poorly we had to get him to the same hospital but understandably chose the Mary Seacole ward instead. I think we got 'played' with tea and sympathy - we just let our guard down and were mentally and physically fatigued. Dad went on the ward Monday, was dead by late Wednesday night. It leaves a bitter taste - we would rather have got him home, well we couldn't have done a worse job than them as it turned out.

That said, I will concede that other posts on the 'Elderly Parents' thread are at variance with this - to the point where with a couple of them I even contacted Mumsnet HQ to question if they were valid, especially as one member didn't seem to have posted anything else. Musmnet confirmed they was valid; they'd posted under another name usually - I think the policy varies re local NHS Trusts, also if the patient retains any mental capacity, that makes the difference in some instances. If not, if they seem to have a whiff of significant dementia, then they can do as they please, especially if the family didn't know to get LPA in Health and Welfare, well, it's not down to them frankly.

The policy does seem wholly contradictory, almost as if the State is saying, whatever the family wants, we'll do the opposite.

cleverusernamehere · 26/11/2023 09:58

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MereDintofPandiculation · 25/11/2023 10:21

But TBH after Shipman I'd be more worried about not enough pain relief being available than too much! As is being demonstrated, sadly, by another current thread

EmotionalBlackmail · 24/11/2023 14:24

There are inaccuracies above. Hospitals and care homes don't 'bump off' elderly people with opiates or dehydration. Yes, hospitals in particular can be rubbish at communication.

As people approach their final days their appetite naturally diminishes as their organs begin to shut down and their body stops being able to process food and fluid. So sticking them on an IV would be cruel and pointless. Good mouth care is crucial (little sponge things to moisten the lips and mouth) at this stage.

Opiates are often prescribed so they aren't in pain, possibly using a syringe driver the person can control themselves. But TBH after Shipman I'd be more worried about not enough pain relief being available than too much!

FusionChefGeoff · 22/11/2023 11:54

Just a quick update that we had the first meeting and it was really good. They weren't offended at all, took it all in good grace and even showed me where the safe is!

They're going to use the idea of the online spreadsheet / folder and include funeral details etc.

I now know a lot more about how they view their future, they know I'm willing to have them here if they need that for companion / admin / general life but we all agreed that when the time comes for medical type care it's carers and then care homes so we can keep a parent / child relationship as long as possible.

They also went to look at a bungalow last week so it's definitely got them thinking.

Plus we now have a shorthand to refer to any difficult conversations (42 thanks to Douglas Adams!) which will make it much easier to instigate any discussions when they need to happen.

I'd definitely encourage everyone to have a go.

OP posts:
ColourByNumbers88 · 22/11/2023 11:32

This is a brilliant idea @FusionChefGeoff Really useful to see and I will apply it to my own aging. Unfortunately getting push back from elderly parents on what assistance they need.

NewspaperTaxis · 21/11/2023 00:46

I think the doctor surgery has something called a Respect form for the elderly which also helps bolster what they want done towards the end of their life, as in the last year or so.

It does appear that hospitals can bump off patients if they are elderly and it can be guess-timated that they have less than three months to live anyway. I think this is legal under NICE guidelines and in many ways is worse than the now illegal Liverpool Care Pathway. This will be done via opiates, or more likely via dehydration in specially selected care homes that are on side. They don't seem to picky about going about this, I've found. I mean, if they die, they die, you can't row it back can you or prove it wouldn't have happened.

Therefore, if you have a parent in a poor state in hospital you may wish to consider if you want them to die at home instead because you can hang on in there in hospital and in some cases - esp if there is a big whiff of dementia - I get the impression they simply won't be allowed to leave that hospital alive. I wish I had known that - in a way, I did, but we got bought off with tea and sympathy the second time round, I feel.

Wallywobbles · 05/11/2023 17:11

I set this up for myself in Covid so a little shy of 50. My mum died without a will at 39 and my DSis at 38. It's never too early.

I have a file with all the deeds etc in. I use a company called cake that have all the information necessary. I've chosen readings and hymns.

Our house is set up so we are downstairs. Kids up.

And we have a flat that we rent out that will do for the last bit of life if needs be. Close to shops etc. Not necessarily where I'd choose to live but in town.

Recycledblonde · 05/11/2023 12:52

I’m nearly 60 and DH is 62 and I’m definitely going to initiate this chat with our children. They aren’t the type to ‘hector’ us, we’ve not bought them up to do that, but having sorted out all four parents estates I know it will make their lives easier when the inevitable happens.
We’re about to move and are making sure we have future proofed the location, on bus routes, walking distance from shops etc.
Will be doing POA with spouse and 2 out of 3 children as attorneys (the youngest has ASD and doesn’t want to be named) wills are up to date and funeral wishes have been talked about openly since the children were young teens.

Mosaic123 · 05/11/2023 12:31

Be prepared that it might be upsetting for your parents to discuss this. Maybe don't ask everything at once.

Start with Power of Attorney. Then wills.

Then everything else. In small batches.

NewspaperTaxis · 31/10/2023 18:52

LeefsPrings · 18/10/2023 14:27

Something I wish I'd done was ask them to go through all their ancient black and white photos, identify all the people and places on them, and write it on the back. I now have a box full of photos of my ancestors and have no idea who they are. And now there's no-one left to ask.

This. Very difficult to get around to, because the implication can be 'You won't be around for much longer so let's do this...' - a bit morbid. In fact anything that is done on that basis tends to get put off. Same goes for filming bits of them on the smart phone - unless you are in the habit of doing this stuff anyway, the meaning behind doing this can be off putting. So find out or make up some other pretext for it. Taking them to a fancy location? You're filming the location, with them in it of course. Not your 'soon to be not here' parent.

My Dad having a charming, pleasant manner and small talk being the thing, it was disconcerting to come to learn that some stuff you'd think he'd never have forgotten, seems he had. So yeah, label the photos. You can film that too on the smart phone.

MereDintofPandiculation · 28/10/2023 09:54

My parents have a property in trust and it’s becoming a massive headache to unpick with financial implications and causing a lot of stress for everyone. I really wish I’d sat down with my mum to understand this and what her plan was We will set up a Trust when one of us dies. The wills give details, and are accompanied by Letters of Wishes which go into some detail about why and what we’re hoping to achieve. We will of course sit down with DC and explain, but even if we don’t, the Letter of Wishes should do the job.

LittleMy77 · 26/10/2023 21:48

My mum died in August, and whilst it was predicted, it’s still left us scrambling with dad to figure stuff out and it’s still going on now, with most of the admin down to me as my dad isn’t coping. Stuff I wish we knew / had discussed

  • what the last wishes were re funeral and burial
  • possible ideas for funeral directors and wake (sounds morose, but you don’t want to be starting this from scratch whilst dealing with fresh grief)
  • the details of their wills and understanding specifics in details, esp if you’re named as executor or trustee. My parents have a property in trust and it’s becoming a massive headache to unpick with financial implications and causing a lot of stress for everyone. I really wish I’d sat down with my mum to understand this and what her plan was
  • specifics on donations and bequeathing stuff - I know she had a plan for stuff but she didn’t get to document it, and my dad refuses to discuss it atm (also down to me to figure out)
  • where their documents are (wills, birth certificates, passports, driving license etc. when people die, UK govt has a useful ‘tell us once’ service but you really need all the originals to submit the paperwork
  • same with details on pensions, annuities, life insurance policies etc and taxes;
  • If they have overseas assets or property, figure out what happens to it when people die (I.e. France has v specific laws on estates passing onto spouse and family)
  • Living costs - when one person dies, does the other have enough to,live on per month on a single pension
Beckafett · 24/10/2023 19:26

My dad passed on Thurs night/ Friday morning and the conversations we had has made everything so much easier.
Both my parents went through family members without a will, no ideas of what constitutes a 'good send off', care homes- the lot.
My advice would be to make sure that more then one person knows and understands their wishes.
Happy to answer any questions but looks like you've had some good advice so far.

MereDintofPandiculation · 21/10/2023 12:46

CloudPop · 20/10/2023 22:28

Interesting. Do you just want to leave your children to navigate this without knowing your preferences ? And without having any understanding of your financial situation?

It’s not an either/or. Preferences, financial information can be written down and stored together. And both preferences and financial situation can change radically over 20 years.

MereDintofPandiculation · 21/10/2023 12:41

NomDePrune · 19/10/2023 20:25

Having lost my partner 6 months ago, I just want to add that having someone's passwords to online things doesn't mean you can log on as if you were them and shut down accounts or similar. What you will need is the death certificate and proof you are next of kin/executor - then the organisation will deal with you. They won't ask you for the password.

Passwords are useful for less official things, like letting MN friends know

MereDintofPandiculation · 21/10/2023 12:08

Myneedycat · 20/10/2023 23:12

Think of the stress and strain for them if you die without them having a clue where to start or what you would have wanted. Grieving is bad enough without all that on top.
Not to mention the expense of solicitors having to do the work for them if they can’t cope.

Not wanting, while still sound of mind and body, to be hectored by my DC does not imply that I intend to leave everything in chaos and that I haven't already started putting things in place. You seem to be accusing me of selfishness and lack of empathy and that's quite unjustified.

TinChristmas · 21/10/2023 00:18

I think it’s a great idea.
also jewellery. I have a relative telling me that they want family members to have some of their jewellery. I suggested she writes down what is from where/what is sentimental. I would rather have a cheap no value piece that meant something/was from someone passed down than go for the most expensive item.

caringcarer · 21/10/2023 00:15

@Myneedycat, my Dad used to do all the finances and pay bills too. My Mum had her housekeeping and the money not used she used to put into an old biscuit tin. It was odd because Mum used to choose where they'd go for holidays and what gifts they'd give everyone. Dad just paid for things. When he died we had to set her up DD to pay bills. She had no idea how much things like council tax or electric cost. She did make a will though because we told her it would make it much harder for us after she passed.

Myneedycat · 20/10/2023 23:12

MereDintofPandiculation · 19/10/2023 09:46

Yes, I would be outraged if my DC were to start that conversation.

Especially as I’m the go-to person for advice on officialdom.

Think of the stress and strain for them if you die without them having a clue where to start or what you would have wanted. Grieving is bad enough without all that on top.
Not to mention the expense of solicitors having to do the work for them if they can’t cope.

Myneedycat · 20/10/2023 23:06

caringcarer · 18/10/2023 15:51

I have a desktop file on my computer entitled when I'm gone or need help. I this file on my computer there are about 5 A4 sheet stating all our bank accounts sort codes and passwords. Code for firesafe.

All debit and credit cards account numbers and passwords.

All details of our btl houses, who each mortgage is with, roughly how much is left to pay, how much rent is charged pcm, the tenants names, how long they have rented with us and their email and mobile phone numbers. Also roughly how much equity we think is in each house and the date we bought the house and price we paid. For future CGT purposes.

Details of holiday home, postal address, utilities account numbers.

French bank account details, password for debit cash card.

My utility bills in the UK. Who with, passwords etc.

Premium bonds.

A letter for each DC. Where our wills can be found.

Funeral wishes.

I update this about every 3-6 months so it should always be reasonably accurate.

My DC know about both DH and my health. We never hide any issues from them.

Maybe your parents could think about doing something similar. I know my sister has done the same for her DC.

What a great idea! I have sort of done that but not in as much detail. My own mother won’t discuss these things with me. My father died and left everything to her but she didn’t understand any of it. She got swindled by a FA and I found out years later had not informed various insurance companies that he had died . I spent months sorting out a terrible mess a long time later. I just dread what we’ll have to deal with when she dies . She won’t even tell us whether she wants to be resuscitated.
My father handles all the finances and all the paperwork when he was alive. She was clueless about what to do afterwards and he didn’t talk to me or my siblings about it either.

CloudPop · 20/10/2023 22:28

onlyoneoftheregimentinstep · 18/10/2023 14:05

As someone in their 70s I would find this very intrusive. Would you want to discuss all this very personal information about your life?

Interesting. Do you just want to leave your children to navigate this without knowing your preferences ? And without having any understanding of your financial situation?

GETTINGLIKEMYMOTHER · 20/10/2023 18:01

NomDePrune · 19/10/2023 20:25

Having lost my partner 6 months ago, I just want to add that having someone's passwords to online things doesn't mean you can log on as if you were them and shut down accounts or similar. What you will need is the death certificate and proof you are next of kin/executor - then the organisation will deal with you. They won't ask you for the password.

Several copies of the death certificate are often needed. We’ve asked for a dozen in the past. Banks etc. always want originals.

Alltheusernamesaretakennow · 20/10/2023 13:32

Thanks for the info about the Age Uk Lifebook... very useful. I would agree about photos, family history too - my mum has lots of photos of people, but we don't know who they are.

https://www.ageuk.org.uk/information-advice/money-legal/end-of-life-planning/lifebook/

https://www.ageuk.org.uk/information-advice/money-legal/end-of-life-planning/lifebook

Woollyjumpersandtomatosoupweather · 20/10/2023 13:22

onlyoneoftheregimentinstep - if you became suddenly incapacitated (or worse), would you really want to put your DCs in the position of having to access and rummage through your house to try and work out legal/financial admin and practicalities on your behalf? Better to have the sensitive but practical conversation now, than add to their grief and burden later surely?

I've had POA and I'm also executor for 2 family members. The easiest and most straightforward (at a time of immense stress and grief) has been when DFs wishes had been clearly expressed, legal and financial paperwork in neat order with a summary sheet/checklist/passwords (including info on rehoming his pets!) No rummaging through underwear drawers/kitchen cupboards/bathroom cabinets for post like we had to do for late MIL - her paperwork was an absolute nightmare and took ages and a great deal of money on solicitors to sort out the mess. We also couldn't find her address book so contact details for some of her wider family and old friends were lost and we were unable to locate them in time to invite them to her funeral.

It's made us siblings very keen to ensure our own legal/financial paperwork is up to date and that DC know how they can access everything should they need to, and know our wishes. With so much being on our phones (address lists, logins etc) they also know our phone passwords.