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10 Questions to Help You Plan for the End of Life

10 Questions to Help You Plan for the End of Life

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Credit - Photo-Illustration by Chloe Dowling for TIME (Source Image: ugurhan/Getty Images)
Talking about death doesn't have to be morbid. If you approach the conversation the right way, 'it makes us more awake to our lives,' says Dr. Shoshana Ungerleider, founder of End Well, a nonprofit that aims to change the way people talk about and plan for the end of life. 'When we avoid this discussion, we rob ourselves of one of life's most clarifying forces—and that's the awareness that our time is finite.'
There are other benefits to planning ahead. Research suggests that the majority of people don't get the end-of-life care they want: While 80% would like to die at home, for example, only 30% do. Ungerleider has found that those who experience the most peaceful deaths tend to be the ones who have had ongoing conversations with themselves and their families about their wishes, including their values, fears, and hopes for how they want to be remembered. These discussions 'should be as common as financial literacy,' Ungerleider says (another topic people too seldom discuss). 'Embracing mortality is one of the most life-affirming things you can do.'
Ideally, these conversations should start in early adulthood, around age 18, and continue as the years progress and life evolves. We asked experts to share 10 essential questions to ask yourself—and your loved ones—to plan for the end of life.
'Who is your decision maker?'
If you're no longer able to make your own health-care decisions, someone else needs to do it for you. Every adult has the right to designate who they want that person to be—and if you don't do it, your state will. 'That's the most practical and tangible question and decision that everybody needs to think about,' says Paul Malley, president of Aging with Dignity, a nonprofit that created the Five Wishes advance directive, a simplified legal document that helps people express their preferences. Choose someone who knows you well, cares about you, and is adept at making difficult decisions, he advises.
'What's your guidance for life support?'
If you were approaching the end of life, what kind of medical treatment would you want—or prefer to be spared from? Your answers will likely vary depending on the circumstances, Malley points out, so think through some of the most common ones: when you're close to death; in a coma and not expected to wake up or recover; or suffering from permanent and severe brain damage. You should specify exactly what kind of procedures, devices, and medications you want, and which you don't want.
Read More: 10 Questions to Ask Your Parents While You Still Can
The way you answer this question will likely be different at age 45 compared to age 85. Malley suggests revisiting your plan at least every five years, as well as any time there's a big change in your health.
'What makes you physically comfortable?'
Everyone wants to be treated with dignity at the end of life. To help ensure that happens, share your guidance for what family members, doctors, and nurses can do for you. 'Things like, 'I want a cool, moist cloth put on my head if I have a fever,'' Malley says. ''I want my hands massaged with warm oils as often as they can be.''
When Malley talked about his mom's end-of-life wishes with her, she said she didn't want to be massaged all over her body, because it would make her ticklish. He asked if she might enjoy hand massages, because she always loved manicures. 'She said, 'Oh, that would be wonderful,'' he recalls. 'So when my mom was nearing the end of her life with cancer, we were able to take very good care of her hands.''
Making these wishes clear is like 'giving an instruction book to the people who love you about how to take good care of you,' he adds, instead of leaving them to hope they're doing right by you.
'Where are the important documents?'
Always ask your family members if they have a will or trust—and if they don't, it's time to change that. It's also a good idea to talk through bank accounts, investments, and passwords, says Rebecca Feinglos, a certified grief support specialist and founder of Grieve Leave, a community that provides grief support. Make sure you know who their lawyer is, too. 'It's better to ask on the front end, even if it's uncomfortable, because if it reveals that something isn't done, you can get it done,' she says.
'What would a good day look like for you?'
Ask this question over and over again—of both yourself and your loved ones. You might be surprised at the answer. Feinglos' grandmother, for example, said it was going shopping, or sitting at home and watching the birds out the window. When she couldn't physically shop anymore, Feinglos brought the impromptu fashion shows to her.
Read More: 8 Things to Say When Someone Lies to You
Understanding what contentment looks like allows you to make your loved ones' days as happy and fulfilling as possible. Keep in mind that 'a good day looks different over time,' Feinglos says, especially with age and illness progression.
'What possessions matter the most to you, and what do you want to happen with them?'
Feinglos' late father was a world-renowned mineral collector, and leading up to his death, the two discussed his wishes for his collection. 'We knew what he wanted,' she says, which enabled the family to donate their dad's most prized possessions to a Harvard museum.
Read More: What to Know About 'Death Cleaning'
Your loved ones might not have a museum-worthy collection, but chances are they're holding onto something else that matters to them dearly.
Feinglos' grandmother, for example, cherished a special silver pocketbook. 'I only knew it mattered because we had those conversations, and she was like, 'I really want you to have this,'' she says. ''Go get it and let me tell you about it.'' In Feinglos' own will, she specifies that two of her best friends are responsible for going through all her clothes and purses. 'I know they'll understand how much they matter to me, and that they'll appreciate them,' she says.
'What do you want your funeral or memorial to be like?'
This can feel particularly tough to talk about—but it's 'critical' to ask your family members for their wishes, and to share your own, Feinglos says. You should also discuss what you want to happen with your physical remains. 'If you don't have those conversations, you're trying to guess what that person would have wanted, and it feels really uncomfortable," she says.
'When you think about the future, what worries you the most?'
Maybe the answer is becoming a burden to family members, dying in pain, or being forgotten. 'Our fears show us our values,' Ungerleider says. Naming them offers your loved ones the opportunity to figure out how to alleviate what you're worried about—while providing you with a sense of comfort and security. Aim to be as vulnerable as possible, even if it's hard: 'If you can let yourself go there—even tiptoeing into some of these discussions—it can allow you to know the people in your life even better, which can be inherently meaningful,' she says.
'What kind of interactions do you want to have?'
If death seems imminent, do you want people with you? 'Do you want them to play music? Do you want pictures of your grandkids? What name do you want to be called?' Malley asks. 'Do you want to be visited by a chaplain or your priest or your rabbi or your faith leader?'
Read More: The Race to Explain Why More Young Adults Are Getting Cancer
Malley recalls one woman who described her dad as the most outgoing person she had ever met. She assumed he would want to be surrounded by all his friends in his final days—but he said he wanted only immediate family. 'We all do the best we can to guess what our loved ones would want,' Malley says. 'But if we ask them, we might actually get different information, and then we're happy to do it.'
'What do you want your loved ones to know?'
It might feel important for you to express love or forgiveness to family members—or to ask for forgiveness for times you hurt them. Maybe you want them to know you don't fear death, or you'd like to see your estranged kids make peace with each other.
Share these wishes with your family members while you still can, Malley advises, perhaps during a quiet conversation in a coffee shop or around the dinner table. 'Anything will be more comfortable than an emergency room or a lawyer's office,' he says.
Remember: By having the tough conversations early, you're eliminating 'the chaos that can exist when there's no plan,' Malley says. 'Chaos is the last thing families need in a time of crisis.'
Contact us at letters@time.com.
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Insomnia is a global epidemic. How do we fix it?
Insomnia is a global epidemic. How do we fix it?

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Insomnia is a global epidemic. How do we fix it?

On a special episode (first released on July 24th) of The Excerpt podcast: The question is: Why do we struggle to sleep? Jennifer Senior, a staff writer at The Atlantic, joins The Excerpt to talk about insomnia and what we can do about solving our sleep issues. Hit play on the player below to hear the podcast and follow along with the transcript beneath it. This transcript was automatically generated, and then edited for clarity in its current form. There may be some differences between the audio and the text. Podcasts: True crime, in-depth interviews and more USA TODAY podcasts right here Taylor Wilson: Hello, I'm Taylor Wilson, and this is a special episode of the Excerpt. According to a report released by the American Medical Association earlier this year, one-third of American adults experience acute insomnia, an inability to fall or stay asleep for several days at a time, but one in 10 adults suffer from chronic insomnia. That's an inability to fall or stay asleep three nights a week for three months or more. The condition has potentially debilitating health impacts, including an increased risk of depression, anxiety, substance abuse, and even car accidents. So the question is, why can't we sleep? Here to help me dig into the issue is Jennifer Senior, a staff writer at The Atlantic who recently went on her own journey to solve her insomnia and who shared her story in the magazine. Thank you for joining me, Jennifer. Jennifer Senior: Thanks for having me. Taylor Wilson: So let's start with I guess a 30,000-foot view of the issue. I know you spoke with a lot of sleep specialists, did a lot of independent research for your piece. Jennifer, what's the big picture here on American's trouble with sleep? Jennifer Senior: Right. Yeah. What's funny, I think the story was a little misnamed. I mean, this is really more story about, well, if you can't sleep, don't feel awful about it because there are so many shaming stories about people, whatever solutions people seek out. I do talk in the beginning about the way that the modern world absolutely conspires against sleep, that it just lays waste to your circadian rhythms. That people work two jobs, 16.4% of us work non-standard hours. If you're a white collar kind of professional, you've got these woodpecker like peck, peck, peck, incursions into your life all night and weekend long from your boss's work sort of never ends. I mean, we're just no longer yoked to the rhythms of the earth anymore. We're just part of this whirl of a wired world. Taylor Wilson: In the course of doing your research, was there something in particular that surprised you most about the problem? Jennifer Senior: I'll tell you what surprised me most, just generally. Whenever I interviewed any expert about this, and it didn't matter what species of expert, they could be an epidemiologist, they could be a neurologist, they could be a psychiatrist, they could be a clinician. Most of them said the same thing. There is a slight misconception that you need eight hours of sleep. There is some data saying this. There is another equally robust data set saying 6.5 to 7.4 is associated with the best health outcomes. Now it's very hard to tell. These studies are observational. They're not randomized. There was all sorts of confounds and problems with this, but this one study in particular had a million people in it. It's been replicated. There are plenty of people who believe this data and people vary. And over the course of a lifetime, your individual sleep capacity could change. In a funny way, that was what surprised me most. Right? This mantra, which is kind of a tyranny, get eight hours or else. Taylor Wilson: Well, you talked Jennifer about the modern world conspiring against us and our sleep, and I guess let's try to outline a few of the possible causes of what you call a public health emergency, right? What can you share with us here on this? Jennifer Senior: About other causes, you mean besides the kind of modernity itself and kids working on... Kids being assigned homework online, kids socializing online. I mean, adolescents are desperate for sleep. They're so hungry for it, and modern high schools and middle schools have them waking up preposterously early when their circadian rhythms are pitched forward. We've got a substantial sandwich generation that's taking care of young kids and their elderly parents. That's going to conspire against it. These are all immutable things. Also, there are elevated levels of anxiety now in our world, and anxiety itself is a huge source of... Or can be a source of sleeplessness, certainly can make one prone. So I mean, those are additional examples I suppose. Taylor Wilson: Let's talk through your story a bit here. When did you first realize that you had an issue with sleep? And walk us through your experience with insomnia. Jennifer Senior: It was 25 years ago and it was a very mysterious onset. I cannot tell you what brought it on to this day. It is a mystery. I had this extremely well-regulated kind of circadian clock. I fell asleep every night at 1:00. I woke up every day at 9:00. I lost my alarm clock. I still woke up at those times. I didn't have to buy a new alarm clock until I had an early flight one day, and yet sometime very close to my 29th birthday when virtually no circumstances in my life had changed one iota, I had a bad night, fell asleep at like 5:00. Thought nothing of it until they became more regular, and then I started doing all-nighters involuntarily, and I felt like I'd been poisoned. And to this day, I don't know what happened, but once that happens, the whole cycle starts to happen, then people suddenly become very afraid of not falling asleep and whatever kicked it off whether it's mysterious or known becomes irrelevant because then what you do is you start getting very agitated and going, oh my God, I'm not sleeping. Oh my God, I'm still not sleeping. Now it's 3:00 in the morning. Now it's 4:00 in the morning. Now it's 5:00 in the morning. Oh my God, I have one more hour, et cetera. Taylor Wilson: Well, you did write in the piece about the many different recommendations that she tried to solve your own sleep issues. What were some of them, Jennifer, and did any of them help? Jennifer Senior: Oh God, I tried all the things. This is before I sought real professional help, but I did all the things. I would took Tylenol PM, which did not work. I did acupuncture, which were lovely, but did not work. I listened to a meditation tape that a friend gave me, did not work. I listened to another one that was for sleep only that did not work. I ran. I always was a runner, but I ran extra, did not work. Gosh, changed my diet. I don't remember. I did all sorts of things. I tried different supplements, Valerian root, all these things. Melatonin, nothing, nothing. Taylor Wilson: You wrote in depth about one therapy that was recommended to you, and that was CBTI. That's cognitive based therapy for insomnia. Jennifer, first, what is this? And second, did you find any success by using this? Jennifer Senior: So cognitive behavioral therapy for insomnia, as you said, is the gold standard for treating insomnia. It's portable. You can take it with you. It's not like if you leave your sleep meds at home. The main tent pole of it, which is sleep restriction, which I'll get to in a minute, is very hard to do. I found it murder, the kind of easier parts, although they're still in a funny way, kind of paradoxical, are you have to change your thinking around this is the cognitive piece around sleeping and insomnia. You have to decide, okay, I'm not sleeping. So what? Now, this is kind of funny because there's this din surrounding us that says, oh my God, you're not sleeping. You're going to die of a heart attack. You're going to die of an immune disease. You're going to get cancer. All these things, right? You have to set that all aside and decide one more night's sleep that I can't sleep. So what? Right. That's one thing. You have to change your behaviors, deciding that you are going to consistently go to bed at the same time, wake up at the same time, all that, and not use your bed for anything other than just for sleeping and sex. The hard part and the most powerful part that I found it brutal was the part that said you have to restrict your sleep. If you had only five hours of sleep, but you're in bed for nine hours, you have to choose a wake-up time. Let's say it's 7:00 and then you have to go to bed five hours earlier, 2:00 to s7:00. That's all you can give yourself, and you cannot stop with that schedule until you've slept for the majority of those hours. That's very hard for a sleepless person. And then once you've succeeded, all you get to add on is 15 more minutes of sleep, and then you have to sleep the majority of those hours for three nights running. This is always for three nights running, and the idea is to build up a enough sleep pressure to regularize yourself. You basically capitulate to exhaustion and you start to develop a rhythm. I couldn't stick with it. I was so kind of stupid and depressed with sleeplessness by the time I started it that it probably was impractical and I refused to take drugs to help me fall asleep at the exact right hour, which many clinics recommend. If you're going to go to bed and sleep from 2:00 to 7:00, take something at 1:30 so that you fall asleep at two. But I was afraid of being dependent on drugs, and you can really wean yourself if you do it for a limited amount of time. You can wean yourself anytime really, if you're shrewd about it and if you taper. But I think that I would tell people to try it and to try it sooner rather than later, and to be unafraid of doing it in combination with drugs so that the schedule worked. Taylor Wilson: Well, I am happy you brought up drugs. I did want to bring that up just in terms of what experts are saying about their impact. Even just drugs and alcohol kind of writ large, but sleeping pills specifically. What did you find in researching this in terms of drugs and alcohol? Jennifer Senior: Well, there's a real stigma taking sleep medication, and I'm frankly a little sick of it. I'm not sure why this is so very stigmatized. Like, oh, they're drug addict. They're hooked on sleeping pills. It's framed as addiction, and no one says that someone is addicted to their Ozempic, even though a lifestyle change could perhaps obviate the need. No one says that they are addicted... Oh, that person is totally addicted to their blood pressure medication, even though maybe a change in lifestyle would help change that. Or that they're addicted to their statins, So I sort of bristle. And those who prescribe these medicines say like, look, if the benefit outweighs the risk and they're used properly, sometimes the real side effect is just being dependent on these drugs, and there's a difference between dependence and addiction. A surprisingly small number of people who take these drugs regularly, like benzodiazepines, like Ativan and Ambien and Klonopin, all these things, a surprisingly small number, like 7% increase their doses if they take it every night. So that's very small. However, there are cognitive decrements over time... Or not decrements. It can interfere with your memory and it can increase your odds of falling as you get older. And those are, to me, the real persuasive reasons to get off. Taylor Wilson: I want to back up a minute here to talk about something many may not be aware of, and that's that historically, at least in some eras, people used to sleep in two blocks. What do you know about this? How did this function and really why did this kind of sleep pattern work for some folks? Jennifer Senior: Well, it was sort of, I think, natural. It seemed that this is, and it has not been proven everywhere, but there's plenty of both historical evidence and also some in a lab by this wonderful guy named Tom Ware that shows that if you sort of just put someone in a room, 14 hours of darkness, what will happen is that their sleep will naturally split into two. They'll sleep for a phase, wake up for a phase, and then sleep for a phase again. And historically, there's all sorts of evidence that people would sleep for a phase, get up and read for a while, do some quiet things, do light tasks, maybe sing, maybe have sex, and then go back to bed. So there seemed to be two phases, and this was much easier to do when midnight was actually midnight. You were going bed when the sun had set, or just after were you were tethered to the rhythms of the earth as opposed to a wired electricity run world. Taylor Wilson: What is something you wish you knew when you first started on this journey? Jennifer Senior: To get on it earlier and to not be as afraid... Cognitive behavioral therapy is, I think, often done in conjunction with taking something like Klonopin or Ativan or Ambien, and I was so petrified of becoming hooked on them that I didn't... I refused to take them and I couldn't get my sleep to contract as a result of it. My body was so completely dysregulated and confused about it was so all over the place that I really needed something to regularize it and stabilize it, and I flipped out, and I think if anybody goes and tries CBT, I and their practitioner says to them, and I'm going to have to be on their recommendation, do this in concert with a drug, because you really need it. Don't sit there and freak out and think that you can't or shouldn't, because it happens a lot and people freak out a lot. Taylor Wilson: All right, Jennifer Senior, thank you so much for coming on the Excerpt. Jennifer Senior: Thank you so much for having me. Taylor Wilson: Thanks to our senior producers, Shannon Rae Green and Kaylee Monahan for their production assistance. Our executive producer is Laura Beatty. Let us know what you think of this episode by sending a note to podcasts@ Thanks for listening. I'm Taylor Wilson. I'll be back tomorrow morning with another episode of USA TODAY's the Excerpt. This article originally appeared on USA TODAY: Insomnia is a global epidemic. How do we fix it? | The Excerpt

Following Venus Williams' comment on health insurance, here's what to know about athlete coverage
Following Venus Williams' comment on health insurance, here's what to know about athlete coverage

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Following Venus Williams' comment on health insurance, here's what to know about athlete coverage

Venus Williams' recent singles win at the D.C. Open showcased her longevity and brought attention to health coverage for aging athletes following a joking comment she made in an on-court interview. 'I had to come back for the insurance,' the five-time Wimbledon champion said after Tuesday's match, her first in 16 months. 'They informed me this year that I'm on COBRA, so it's like, I got to get my benefits on.' The 45-year-old Williams, who has won seven major singles titles in her career, became the second-oldest woman to win a tour-level singles match in professional tennis with Tuesday's victory. After losing on Thursday, she acknowledged that her comment on health insurance was a 'fun and funny moment.' The Consolidated Omnibus Budget Reconciliation Act, more commonly referred to as COBRA, allows Americans to stay on their employer's insurance plan for a limited amount of time after leaving their job. It comes with high costs. 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Why Centene (CNC) Stock Is Trading Up Today
Why Centene (CNC) Stock Is Trading Up Today

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Why Centene (CNC) Stock Is Trading Up Today

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