The risk of dementia increases with age, with almost one in three people over the age of 85 affected by the condition. While online tests may provide an initial assessment of cognitive decline, a serious medical diagnosis should be conducted by a doctor to consider cognitive ability, evaluation ability, will-forming ability, and will-implementing ability.
The decision to suggest a dementia test to a loved one can be difficult as it signals recognition of cognitive decline. Individuals with dementia may not initially notice their impairments or even deny them, making it challenging for loved ones to approach the topic. However, preparing for the possibility of dementia is crucial in protecting the dignity of the affected individual.
A precautionary mandate can help navigate potential challenges by establishing personal care, financial concerns, and representation in legal transactions. Detailed planning and consideration of potential replacements for decision-making roles are recommended to ensure that the individual’s wishes are respected.
In case of dementia, financial concerns can quickly become overwhelming as the average cost of care in a nursing home exceeds 10,000 francs per month. Planning for long-term care and considering state benefits can alleviate financial burdens. Passing on assets to descendants may seem like a protective measure but strict regulations around donations can impact eligibility for additional benefits.
It is essential to address these issues early on before cognitive decline interferes with decision-making abilities. Taking the time to create a precautionary mandate can significantly impact the quality of life in the future and provide peace of mind for both individuals and their loved ones.
Therefore, individuals need to take proactive measures towards preparing themselves and their loved ones for possible dementia by creating a comprehensive plan that includes personal care, financial management, legal representation, and long-term care planning. This way they can protect themselves from being determined by authorities without any precautions while ensuring that their wishes are respected and their assets protected under specific regulations.
