Sister wants elder siblingtomake estate plans

Dear Amy: My older sister is 75 and unmarried.

She has three grown children in their 50s. I am eight years younger than she. My sister has always avoided aging and seems in denial about mortality.

When I visited the family a few months ago for her 75th birthday party, my niece expressed concern to me that my sister has made no provisions for death or unexpected illness.

She has no will, power of attorney, advance medical directive, or burial or cremation instructions. Attempts by my niece and her siblings to discuss any of this with my sister are quickly dismissed. My sister refuses to talk about it.

Last year I shared with my sister my general estate plan, including the fact that I have a will, power of attorney, trust, and advance medical directive, and gave the names of my appointees.

I had hoped that sharing such information might nudge her to do similar planning. No luck. My niece is concerned that she and her siblings will be left holding the bag to make critical medical and other decisions for their mother without any idea of what she would want, and that the three siblings might not agree.

This is not about monetary inheritance, as my sister doesn’t have a lot of money. My niece has asked me to try to influence my sister to at least prepare an advance medical directive and burial or cremation instructions.

Should I stay out of this or get involved — and, if so, how?

Dear Concerned: Yes, you should attempt to speak to your sister about this. It might be best not to overwhelm her with estate planning, but do encourage her to appoint a health care proxy as a start.

Given that you are savvy, well-prepared, and substantially younger than your sister, might you be the right person to take this on? My home state has health care proxy forms and very easy to understand instructions on the state’s government website. A directive can be simply worded or very detailed. You will need two witnesses but (in my state) it is not necessary to have it notarized.

Do a search for the state your sister lives in, discuss the forms with her, and if she would like you and you are willing, fill the forms out with her and notify her children of her decision. She can always change her mind later.