Planning for Incapacity: Who Makes Decisions When You Can't

Most people plan for death but ignore incapacity - the gap between healthy and dead. Without proper documents, Massachusetts families face expensive court guardianship costing $15,000-$25,000 and taking 6+ months.

This guide explains the three essential documents: Durable Power of Attorney for finances, Healthcare Proxy for medical decisions, and HIPAA Authorization for medical information access. You'll learn how to choose the right agents, handle special situations like divorce or business ownership, and address modern challenges like digital assets.

Proper planning costs $1,000-$3,000 and takes 3-4 weeks. You can't plan for incapacity after you become incapacitated - act while you're healthy.