Three things to do now before a care crisis arrives

Full analysis

Fosco closes with three concrete preparatory steps. First, search for any existing long-term care insurance policy your loved one may hold and understand exactly what it covers, including any elimination period (the number of days you must pay before benefits activate). Second, get legal documents in place: a healthcare power of attorney (the person authorized to make medical decisions), a financial power of attorney, and a living will — doing this early, while the person with dementia can still participate, captures their wishes and reduces family conflict later. Third, tour at least two residential communities in the near term — not to make a decision, but to build familiarity so the process feels less overwhelming when a real decision arrives. A geriatric care manager, typically a social worker who comes to the home and assesses needs, can help coordinate these steps for families who don't know where to start.