Dear Savvy Senior, What kinds of legal documents are suggested for end-of-life plans? I would like to get my affairs in order before it’s too late. Getting Old

Dear Getting,
Every adult – especially seniors – should have at least four essential legal documents to protect them and their family. These documents will make sure your wishes regarding your estate are legal and clear, and will help minimize any conflicts and confusion with your family and your health care providers if you become seriously illness or when you die. Here are the key documents you need, along with some tips to help you create them.
A Will: This document lets you spell out your wishes of how you’d like your property and assets distributed after you die, whether it’s to family, friends or a charity. It also allows you to designate an executor to ensure your wishes are carried out, and allows you to name guardians if you have minor or dependent children.
In addition to a will, if you own real estate or have considerable assets, another option you may want to consider is a “revocable living trust.” This functions like a will but allows your estate to avoid the time and expense of probate (the public legal process that examines your estate after you die) and helps ensure your estate’s privacy.
Durable Power of Attorney: This allows you to designate someone you trust to make financial, tax and legal decisions on your behalf if you lose your decision-making capacity.
Advanced Health Care Directive: This includes two documents that spell out your wishes regarding your end-of-life medical treatment. The two documents are a “living will” which tells your doctor what kind of care you want to receive if you become incapacitated, and a “health care power of attorney” which names a person you authorize to make medical decisions on your behalf if you become unable to.
Do-It-Yourself
If you have a simple estate and an uncomplicated family situation, there are several good do-it-yourself guides that can help you create all these documents for very little money.
For creating a will, a top resource is the Quicken WillMaker Plus 2015 software (available at nolo.com) that costs $50, works with Windows personal computers and is valid in every state except Louisiana. If you use a Mac, nolo.com offers an online will maker for $35.
Or, if you only need to create an advance directive you can do it for free at caringinfo.org (or call 800-658-8898), where you can get state-specific forms with instructions. Or for only $5, an even better tool is the Five Wishes document (agingwithdignity.org, 888-594-7437), which is valid in 42 states and will help you create a customized advance directive.
Get Help
If, however, you want or need assistance or if you have a complicated financial situation, blended family or have considerable assets, you should hire an attorney. An experienced lawyer can make sure you cover all your bases – especially when writing a will or living trust – which can help avoid family confusion and squabbles after you’re gone.
Costs will vary depending on where you reside, but you can expect to pay somewhere between $200 and $1,000 for a will, or $1,200 to $5,000 for a living trust.
The American College of Trust and Estate Counsel (actec.org) and the National Academy of Elder Law Attorneys (naela.org) websites are good resources that have directories to help you find someone in your area.
If money is tight, check with your state’s bar association (see findlegalhelp.org) to find low-cost legal help in your area. Or call the Eldercare Locater at 800-677-1116 for a referral.
Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

A Hughes County funeral home director turned himself after an investigation by the Oklahoma Insurance Department’s Anti-Fraud Unit. Donald Williamson is accused of embezzling almost $75,000 from 28 families who set up prepaid funeral trusts.
“We take crimes like this very seriously,” said Oklahoma Insurance Commissioner John D. Doak. “People are very vulnerable when it comes to funeral planning. They need to be able to trust their funeral home workers. I commend the investigators of our Anti-Fraud Unit. They will continue to bring justice to Oklahoma consumers.”
Williamson owns Williamson-Spradlin Funeral Home in Wetumka. He admitted to investigators he accepted money for prepaid funeral trust accounts and deposited the money into a bank account for his funeral home from November 2011 to December 2014. By law, prepaid funeral trust account money should go into a separate trust account and not be used for any other purpose.
On Friday, officials from the Oklahoma Insurance Department will be available to meet with anyone who bought a prepaid funeral trust from the Williamson-Spradlin Funeral Home. Residents are asked to bring prepaid funeral trust paperwork to the City of Wetumka Council Board Room at 202 N. Main anytime between 11 a.m. and 2 p.m. Meetings are confidential.
“Our Anti-Fraud Unit worked closely with the Hughes County District Attorney’s office on this investigation. They have been very helpful to our case and aggressive in bringing Mr. Williamson to justice,” said Rick Wagnon, director of OID’s Anti-Fraud Unit. “We have seen cases like this before. In 2011, a Creek County funeral home director was charged with fraud after a similar investigation.”
Williamson will face felony counts of embezzlement and violations of the Prepaid Funeral Act.
The Anti-Fraud Unit is a commissioned law enforcement agency that conducts investigations of various white-collar crimes related to insurance fraud. Oklahomans can call to report fraud at 1-800-522-0071.

Don Narcomey, local artist, is currently working on the fourth installment of crucifixes he makes for the St. Anthony Healthplex facilities.
Each facility has 12 emergency rooms, with each one containing a custom built niche to house and light his beautiful crucifixes.
Narcomey is a talented artist using a variety of woods and other materials for his works and uses special care when searching for the right pieces. “For the Christ figure, I go out into the woods or rummage through torn out shrubbery and search for branches that have a “pose” that suggests a Christ figure.”  Finding the perfect material for his work is just the start, as he later returns to his studio to cut, grind, and carve these figures to take on a life of their own.
Narcomey’s newest creations will be displayed at the new St. Anthony Healthplex North location located on North Western Avenue.  St. Anthony Healthplex North officially opened its doors the last week of February.

There are times when family members, who have a loved one in a nursing facility or an assisted living center, are uncertain about how to advocate on behalf of the resident. Advocacy is basically problem-solving. Learning the basics of the problem-solving process and steps to take along the way will benefit both the resident and family member.
Stage 1 is defining the problem. What exactly is the issue, be able to describe the problem with as much detail as possible. Include the five “W’s” – who, what, where, when, why in your description.  What information do you have from direct observation, discussion with a loved one or a staff member? Keep written notes which are dated to document your personal observations and discussions so you can refer to them as needed. Use objective, factual language to address the concern.
In Stage 2 determine what your goal is. What does the resident want to happen? What is an acceptable resolution? What outcome will benefit the resident? Make sure the goal is realistic and benefits the resident. Identify what action steps you could take to try to solve the problem at this point. Determine if there is a designated person on staff to handle concerns such as the administrator, the director of nurses or the social services director. Think through the “pros” and cons” in analyzing your approach to address a concern. Once you have taken action and addressed the issue, follow-up with the staff person you spoke to by sending a note summarizing the discussion and include any specific steps the facility said it would take to resolve the issue. Lastly, evaluate the outcome of your efforts. What was the result of your action? Is the problem resolved, partially resolved or not yet resolved? If the problem is only partially resolved or not resolved at all, repeat the above steps to re-address a second time.
If you are still not successful, identify where you could turn for assistance by contacting the local ombudsman or the state survey agency.
If your own attempts are not successful and you would like assistance with advocacy you may contact the Long-Term Care Ombudsman Program at Areawide Aging Agency (405)942-8500; search our website at www.areawideaging.org or visit us on Facebook.

The Y is pleased to announce it has received a $10,000 grant from the Oklahoma City Community Foundation and its Services for Elderly iFund grant program.  The grant will be used to assist in funding the Y’s Lincoln Park Senior Center Independent Living Program’s Wellness Initiative which will allow the Y to increase its level of service to the population that it serves.
Many Oklahoma City seniors spend their days at the Lincoln Park Senior Center, where they come together to enjoy a meal, learn computer basics, attend a group exercise class, play games, and talk. Funding from the Oklahoma City Community Foundation’s iFund Service for the Elderly grant will bring OK 5210 into the Lincoln Park Senior Center.  OK 5210 stands for 5 fruits and vegetables a day; 2 hours or less of screen time; 1 hour of physical activity; 0 sugary beverages.
“Exercise, peer support, nutrition education and access to fresh and vegetables is vital for health at any age,” said Angela Jones, Health and Wellness Director for the Y. “Funding will provide seniors with a variety of fresh fruits and vegetables to snack on or take home daily and the opportunity to grow their own garden just outside of the Center. As part of the OK 5210 initiative, nutritionists and YMCA staff members will provide ongoing OK 5210 wellness education and activities for seniors at the Center this year.”
The Y is one of the nation’s leading nonprofits strengthening communities through youth development, healthy living and social responsibility. Across the Oklahoma City Metro, 12 Ys engage 160,000 men, women and children – regardless of age, income or background – to nurture the potential of children and teens, improve the nation’s health and well-being, and provide opportunities to give back and support neighbors. Anchored in more than 10,000 communities across the country, the Y has the long-standing relationships and physical presence not just to promise, but to deliver, lasting personal and social change.
Founded in 1969, the Oklahoma City Community Foundation works with donors and organizations to create endowments that address needs and opportunities within the community.  The Services for Elderly iFund grant program represents a compilation of contributions from donors who want to support grants to help keep senior citizens safe and living independently in their own homes.  For more information on the iFund grant program, please visit www.ifundokc.org.  For more information on the Oklahoma City Community Foundation, please visit www.occf.org.
For more information about the Y’s LINCOLN PARK SENIOR CENTER or the OK 5210 initiative, contact Angela Jones at AJones@ymcaokc.org or at 405 297 7737.

By Greg Schwem

Upon my death, please continue to ‘like’ me

My immediate family huddled on a couch in the funeral home’s parlor room. My wife and I held hands while my daughters stifled urges to check their cell phones. A box of tissues sat on the coffee table. None were needed. Not yet.
A kind looking man emerged from a small office. “Greetings, Mr. and Mrs. Schwem. Girls. I’m Herb Blansky, social media grief coordinator for Blansky & Sons. We specialize in assisting families with the social media accounts of a family member who has passed on. You specifically had questions about Facebook?”
I reached for a tissue. The mere thought of who would handle my eight-year collection of backyard barbecue photos, Kim Kardashian memes and ABSOLUTELY ADORABLE videos of dogs wearing sweaters after jumping into laundry baskets produced a lump in my throat. My wife gripped my hand tighter.
“As you know, Facebook recently added a legacy feature, authorizing someone to take over the account once its owner has passed.” Shifting his eyes between my wife and daughters he added, “Someone you trust. At Blansky & Sons, we can assist you with this process.”
“Like, don’t you just click one button at the bottom of your page?” my eldest asked. “Why are we here?”
“Because I haven’t decided who my legacy contact should be,” I said. “Mr. Blansky, do you have a suggestion.”
“Well, it should be somebody familiar with the nuances of posting, responding, wall updates, friend acceptance, group messaging, commenting, ‘liking,’ and the Facebook mobile app.”
“That counts me out,” my wife said.
“She never got into Facebook,” I informed Blansky.
“Girls, how about you?” Blansky asked, looking at my daughters. “Keep in mind it’s a big responsibility.”
“We’re no longer on Facebook,” my youngest said. “We use Instagram.”
“Yeah, we wouldn’t be caught dead using Facebook,” her sister replied. “Wait, that didn’t come out right. Sorry, Dad.”
“What do we do?” I asked Blansky.
“This is an unusual situation,” he replied. “Have you considered a Facebook power of attorney?”
“I’m not mentally incapacitated,” I said defensively. “I just want my Facebook account to live on when I’m gone. I enjoy steak every Sunday and I ALWAYS post a photo before I consume it. Is it wrong to have somebody continue posting photos of my favorite meals? In my memory?”
“Yes,” my daughters said in unison.
“Not at all,” Blansky said.
“And what if I pass before the next presidential election,” I said, reaching for another tissue, “who is going to post disparaging comments about GOP candidates?”
“All valid questions,” he said. “Obviously, Mr. Schwem, your Facebook account is very important to you. Have you considered having a ‘Celebration of Life’ for it?”
“Excuse me?”
Sliding a brochure across the table, he said, “This is where Blansky & Sons can help.” “You invite people to our funeral home, and they spend time reading all your Facebook posts and looking at all the photos and videos you’ve uploaded. They can comment and ‘like’ until they feel a sense of closure.”
“What’s that going to cost?” my wife said.
“Right now we’re having a prepay special of $5,475, including four hours of free Wi-Fi and up to a dozen iPads placed around the premises.”
“And then?”
“At the ceremony’s completion, an iPad of your choosing will be lovingly wrapped and handed to whomever you choose as your legacy contact. And we do sell iPads. Mr. Schwem, a man of your stature looks like you’d be most comfortable with our top of the line ‘Steve Jobs original.’ Note the cherry trim and the 128GB memory.”
“I think we have some decisions to make,” I said.
“I understand. Just remember, these prices won’t last forever,” Blansky said.
We rose to leave as Blansky produced a business card from his pocket.
“Call me any time,” he said. “And remember, at Blansky & Sons we’re here for your posthumous Twitter, LinkedIn, Tumblr and blogging needs as well.”

‘Really?” I said. “I think we’re going to need a few more appointments.”

(Greg Schwem is a corporate stand-up comedian and author of “Text Me If You’re Breathing: Observations, Frustrations and Life Lessons From a Low-Tech Dad,” available at http://bit.ly/gregschwem. Visit Greg on the web at www.gregschwem.com.)

In commemoration of the 800th anniversary of one of the most enduring symbols of liberty and the rule of law, the Oklahoma State Capitol will host the “Magna Carta: Enduring Legacy 1215-2015” exhibit from March 23 to April 5.
The event will be free and open to the public. The exhibit will be displayed in the Supreme Court Hallway on the second floor of the State Capitol.
The exhibit tells the story of the Magna Carta, which is widely regarded as one of the most important legal documents in the history of democracy.
“Bringing the incredible story of the Magna Carta to the halls of the people of Oklahoma’s government presents a unique opportunity to celebrate the document that makes our form of government possible,” Oklahoma Secretary of State Chris Benge said. “We are thrilled to host this exhibit so Oklahomans can learn about and appreciate the foundations of democracy as we know it today.”
The Magna Carta stands at the heart of English and American law and has influenced the legal systems of many other democratic nations.
King John of England was forced to sign the Magna Carta in 1215. The document greatly reduced the power wielded by the King of England and allowed for the creation of a powerful Parliament. It thus became the basis for English citizens’ rights.
The Magna Carta is therefore considered to be the founding document of English liberties and hence of American liberties. Because of the Magna Carta, the divine right of kings was superseded by government of and by the people and legal principles such as habeas corpus.
“There’s a direct link between the Magna Carta and our state government,” Benge said.
The Library of Congress and the American Bar Association developed the traveling educational exhibit to raise awareness about the Magna Carta’s enduring legacy. The traveling exhibit, displayed on freestanding banners with images of priceless Magna Carta-related items, complements the Magna Carta: Muse and Mentor exhibition previously on display at the Library of Congress.
The traveling exhibit is brought at no cost to the state through partnerships with the Library of Congress, American Bar Association and the Federalist Society. The state’s hosts are the Oklahoma Legislature, Secretary of State Chris Benge, the Oklahoma Arts Council, and the state Office of Management and Enterprise Services.