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Feeling Ostomistic
Saturday, June 13 2015

NB: This is a sponsored post

Lately, I have been thinking so much about how differently life as an adult actually is when compared to what I thought it would be like as a teenager. Oh how naive was my younger self.

There are things I never thought were important or necessary until the time came and I realised it was too late.

Here are my 5 things I believe that every adult should have in place:

#1 Life Insurance Policy
Growing up, I always thought that a life insurance policy was something that was only necessary when you had died to help you pay for your debts or your funeral or to help your support your loved ones.

I didn't realise that having a life insurance policy can actually be of help if you get sick and need time off work, or if you suffer an illness or injury and become disabled or unable to work again, the life insurance policy can help you out.

What I wished was that someone had of said to me when I turned 18 to get insurance, as it wasn't until I got sick that I went to take out a policy and told that I am now 'unsurable'. There were so many times that I wished I had that extra financial assistance when I was too sick to work.

I did however make sure that once I was married that my husband has the necessary cover in the event that he becomes sick. We met with our financial planner at our bank and set up the policy to be paid out of his super fund. It is convenient for us paying it this way, as I am often in hospital sick it is one less bill to remember to pay. We were able to nominate the total insured amount we wanted as well.

#2 A will
I know a will isn't something that a young person often thinks about taking out, or a common misconception is that "I have nothing to leave in my will, so having one is pointless". A will is more than a document that states who will receive your car or the balance of your bank account, it is also a document that can leave instructions for your afterlife such as whether or not you consent to your body being used in organ donation, or where you wish to be buried or if you are to be cremated.

A will also has instructions over who is responsible for your digital assets such as a blog, facebook etc and what you're wanting done with these digital assets when you die. My husband understands my clear instructions of what I want to be done with my blog etc when I die, he knows that I want to keep my blog open as a resource for all the young people in the future who have FAP or will be needing a stoma and are looking for support when they feel alone.

My husband and I were struggling to find a time that suited both of us to visit a lawyer, so we were so happy when we came across Nest Legal an online legal firm, not only did it mean that we could organise our wills from the comfort of our own home, but also meant working around a schedule that suited us and not around when both my husband and I could make it. It was a very convenient solution, and so lovely to deal with.

#3 Enduring Power of Attorney
It is a false reality that only 'old people' need an enduring power of attorney in place. The sad reality is that we have no control over what misfortunes or illnesses may come in the future, and it is important that we have things in place to not only help yourself but to help those around you to understand your wishes.

An enduring power of attorney is a document that is as important as your will, and is a document that nominates someone to act on your behalf for financial, legal and health matters if you become incapacitated or unable to make decisions for yourself.

It is important that you discuss with your loved ones whom you wish to appoint and what roles you expect of them. It is important to choose someone there won't be conflicts of interest with or someone who can remain impartial to decisions and can act with your best interests in mind.

To learn more about the different roles and responsibilities of a power of attorney, the NSW Trustee's and guardians has some great info.

#4 A Regular GP
Up until 2011, I didn't have a regular GP. It was more of a 'what ever doctor can bulk bill and is available' sort of situations I was finding myself in. Tell you what, it was rather an inconvenience... You would see a doctor and tell them all the issues you've been having lately and your past medical history then he would come up with a diagnosis and then the next time I needed to see a doctor it was starting the process all over again. It wasn't just wasting my time, it was also wasting the doctors time.

As my medical history was becoming more and more indepth with each visit, I made the decision to 'shop around' for the right GP and I happened to have found him 4 years ago and never looked back. It is really helpful now having 1 GP who receives all the correspondence from doctors, scans and blood tests rather than having a few doctors and not remembering which GP you saw for what issue.

Trust me, having a regular GP will make life easier!

#5 Health insurance or Ambulance cover
I know I have mentioned before how beneficial it is to have health insurance (read my 12 reasons why here) but it is also important to at least have an ambulance cover in place. A trip to the hospital in an ambulance can very quickly become an expensive excursion, I have received bills for $800+ just to go to the other side of town! Luckily, I had cover in place.

You never know when you or your family might need an ambulance and there is nothing more stressful when you're dealing with an emergency than worrying about how you'll be paying for it, instead focusing your energy where it is needed.

If it is health Insurance cover you need, speak to the guys over at Health Insurance Comparison to find out what policies there are to match your needs or lifestyle.

I have no idea why I was in such a hurry to become an Adult, some days being a kid sounds so much easier.

So while these might be my list of 5 things I believe every adult should have in place, I know that you might have other suggestions. Feel free to leave your suggestions in the comments below, it might be of value to another reader who hadn't thought of it.

DISCLAIMER: While this post was written by myself about my experiences and the 5 things I believe every adult should have in place, all views expressed in this article are mine. This post was written for Health Insurance Comparison.

 

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Posted by: Talya AT 10:45 am   |  Permalink   |  1 Comment  |  Email
Comments:
Another helpful blog post, this reminds me I need to get mine and my Husband's wills and life insurances sorted out. And funnily enough I was just saying to my husband the other day that he needs a GP for the results of the at-home-bowel-test (again thank you for that reminder on your facebook page). Husbands... they say we nag, but we wouldn't need to if they did what was asked the first time LOL. Thanks again!
Posted by Sarah on 02/07/2015 - 03:32 AM

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Talya Goding - Feeling Ostomistic   talya@feelingostomistic.com.au  |  0447 426 860

Thank you for stopping by Feeling Ostomistic. It has taken a lot of courage to share my story and I ask that you show me and my site/blog respect and courtesy. Views expressed in this blog are my own and I am not a nurse or a doctor. If you need medical advice please seek your medical practitioner.

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