Both of my parents refuse to plan for the future. How do children accept parents decision to do nothing?

ICE:

They might have gone their separate ways, but their psychological marriage seems to be alive and well. Deeply resentful, one might be waiting for the other to kick the bucket, inherit everything, and then make plans for the future. Another way to look at it is that they're depressed and don't care what happens to them because they miss each other -- and if their self-destruct modes also carry collateral damage. Their union, I guess, was supposed to last forever.

Austin made wonderful suggestions. But if it were up to me I'd lock them both in a room until they reach an agreement about how they're going to finance the rest of their lives on their own.

My mother, in not so many words, has always said we're supposed to take care of her in her golden years. She's never made any plans for the future either. I told her there ought to be law against people who bring children into the world and then expect them to pay for it. Ridiculous.

When my time has come to pass, I've made it clear to my sons I don't want to be buried or cremated. I want to be recycled. Organs have been spoken for; the rest of the carcass goes to science. My home in western Brazil is to be passed on from generation to generation, and shared by those in need as long as property taxes are paid. That's the way my grandfather and father wanted it; and definitely the way I want it. Otherwise it goes to the City. The same for my bachelor pad here in NYC. Any money left is to be invested on college-bound family members who really want an education.

Am I asking for too much?

I would make an appointment with an elder lawyer and insist that they go with you-the lawyer will be able to convince them how important this is and give your opiones then if they refuse to do any thing after you have told them how you feel there probably is nothing you can do except not be part of their lives-my mil had to be convinced to make plans and my husband was finally able to get through to her and she did turn over her house to him. Many elderly parents will not make decisions.

Icy - agree with all above. But there are somethings you can do now so that when you have the big come to Jesus meeting, you are prepared.

They each own property, correct? I'd suggest you go down to the tax assessors office and get the current documentation on all the properties, this should all be in the tax bill, will have the parcel number and other legal details you will need later on when you meet with an elder care attorney. This is all public information - you might be able to do this on line. But by going in you can also go and get copies of the PLAT of the properties and a history of all transactions on them. Get copies of the Deed of Trust, etc. This is well worth it.

My guess is that if the property has been owned for a long, long time what the property is and what you all think it is is different. This is why getting copies of the plat, deed of trust, etc. is important. If the property has been in the family or transferred from within the family for a while, the boundaries get fuzzy. Also there might be easements put on the property that the county or district have done or judgements against the property - when you do a property search this will show up. I've been executrix twice and in both there was ranchland property (one was not acres but sections) and none of it was what family members thought "auntie" had. By having it all direct from the assessor/tax collector there can be no argument on what's what. Then from that you can do a Trulia or Zillow search for what comparable properties have sold for to get an idea of their assets.

If you think they will need Medicaid to pay for LTC in the future, keep in mind that
if the property is farmland, it has a whole different set of qualifiers for Medicaid. You need to find an elder care attorney who has a practice in the county where the land is located. If it has cattle on it or heaven help you oil & gas run thru line revenues, then you need an attorney. O&G are kinda a nightmare as it usually really isn't very much money and they might not get the dividend but every decade until just recently and you have to do an amortization for Medicaid qualification.

Can you when visiting them find a recent copy of their bank statements so you know what they really have as assets? Same for their SS & retirement $$?

What all this is doing is creating a factual document of their assets for the family to discuss. It will have to be done at some point in time. If you don't do it and your parents refuse to do it and they have to go into a facility (and if they live long enough they will need to go into LTC eventually) the state can step in and take over and make them "wards of the state". Your family needs to realize that they need to present a united front to keep this from happening. When I was in & out of probate as executrix, I saw so much heartbreak with families that didn't plan and they had to go before the judge to get guardianship/conservatorship (done in probate court where estates are done) and so much of the time, the family would NOT get it because of silly infighting. There are paralegals that sit the day in court waiting to get assigned cases for their law firm. Once that happens you can forget
passing on anything. You know the family dynamics best, there is probably one child that mom & dad will listen to and look at the $#'s. Good luck.

Ice: who is his direct caregiver now? It sounds like you live elsewhere...yes? If so, he really needs an advocate that can help with health and wellness issues and decisions. That would be my primary concern.

If you do not want to be involved in the financial issues and do not care about an "inheritance" which seems to be the case, you can divorce yourself from helping him with these issues. It sounds like they just want to let the chips fall where they may so I wouldn't worry about it. But if you are interested in his property, then that might get a bit dicey with the other family members. Maybe it is best to have a frank dicussion with him then consult an attorney....keep it a business transaction.

As far as the funeral is concerned, think only of your relationship to your father. Leave everyone else out of it - you owe them no explanations. If going to the funeral would give you closure and help you pay your final respects, by all means go. If it would cause you too much stress, stay put. It really is hard to say until the event occurs.

I had a similar issue with my parents. They had each other and so did not want to talk about what would happen when one of them was gone. I finally just got very honest with them and explained if you love me at all you will do this. I told them that I really want to respect your wishes however I can not do that if I do not know what they are. I also said I do not want to argue with anyone that is not comfortable to me... guess what they did what I asked... I know this is hard but you will be so glad and relieved when it is done!

Icy - Ohhhhh gas revenues! FUN! Are you in TX ??- alot of these in TX get passed down and never go through probate as they weren't viewed as a physical asset for most of the past century. Oil & gas revenues are sticky when it comes to figuring out what the value is if they apply for Medicaid or for doing in probate as so often the revenue is low that it is paid every decade or annually, etc. so that it has to be amortized to get it done accurately. Alot of times the family doesn't even realize their out there till they get a check from XYZ gas company for like $ 500 for a decade's worth. It's enough to throw a wrench in the application. But you need someone legal who knows how to deal with it properly.

Now for the average Medicaid worker this is high finance and beyond their area to pass a review on. With family it can be hard for folks to understand that it really truly isn't a real asset as you only get a tiny % of the pass thru and NO AUNTIE or GRAMPS didn't have an oil well.

So you kinda need to get an elder care attorney to do the Medicaid application and the good part is the family then can use the same attorney to deal with probate.

About the funeral, go with your gut instinct. Lilliput is spot-on on this. Good Luck.

Icy - also having an attorney deal with the gas revenue and all financial aspects of your dad's land/ranch can be especially good if family and those that married into the family have difficulty comprehending how assets are determined and what true market value is. You know your family best and if this is likely.

For me this was a huge issues with my aunt's estate -to the outside world she lived very well and they knew that somewhere there was land & $$ and by god we're all going to get a part of it. That actually was so far from the truth it was astounding. Nothing I could do was going to satisfy them or change their belief. Only by an attorney sending them letters with documentation did they let it go. Although some are still some kinda mad to this very day.

There may be time..... Lots of time....You didn't say how old each of your parents are now..This is an important first step.
Are there other siblings who may have a vested interest in the property? If your father dies intestate, who would inherit the property? Court will decide, but if you compose a simple will now, it could save you a lot of heartache when he passes.

Talk to an "elder law" lawyer - someone who really knows elder and probate law, and can help you and your parents understand the legal ramifications of doing nothing, or the alternative of preparing for the future and placing parents in a position to protect their lifetime gains for their children and/or grandchildren, and provide for their own needs which are likely to exceed their means unless they are billionaires - in which case they will likely have lawyers who have already put safeguards in place.

"in gods hands" Have a heart to heart with Moms pastor, or another pastor in your area. The Bible certainly says we need to trust in the Lord, but it also has numerous parables about being responsible. A minister can gently advise you on how to speak to your Mother about "Gods will”.