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ByWell, I guess when you’re an “older” bride, certain things you only thought your grandparents did suddenly become things you do.
Let’s take insurance, for instance. When Husband and I first got together and decided we were going to stay together, the subject of “protection” came up.
When you are an LBB, you aren’t exactly bungee jumping off cliffs anymore. A more conservative lifestyle has (probably) settled in. And, protecting one’s body becomes a higher priority. But, I learned early that Husband’s idea of protecting one’s body and my idea of protecting the body aren’t exactly the same. My “protection” ideas don’t usually involve lots of attorneys. (I was just thinking no more trips to scary places in downtown to find cool new trendoid bars.)
However, Husband, is smarter than me. So, right before we got married we had the Big Insurance Talk, as in, you better have some. And, not just medical insurance in case you have to go to the doctor, either. Since, we have at least 50 more years to go on the planet, according to our parental genes, apparently we have to plan now how we were gonna grow old.
First, there is life insurance. Then, there’s a will. And, then long-term care insurance. And, durable power of attorney. And, medical power of attorney. I was practically drowning in legal documents for about 30 days.
Also, since Husband has two sons – grown but in college – they had to be considered. Should he kick the bucket prematurely, the subject of who gets what, when, was apparently a matter of utmost importance involving many legal terms. Enter the pre-nup (which really deserves its own blog post).
And, should he or I not kick the bucket in one fell swoop and we’re hanging around hooked up to all kinds of machines, well, that deserves a whole other set of documents. Of course, I made him swear in blood that I’ll never be placed in a nursing home, which gave him the perfect excuse to raise the idea of long term care insurance. I have a sneaking suspicion he doesn’t want to have to roll me over when I’m 90. Let the nurse do it. But, he’ll be over 100 then so I don’t blame him.
So, being the independent woman he married (we LBBs are like that), I have come up with an answer no attorney can plan for. We should just go the same night. Now, that’s some planning I can get behind.
