Knowing When to Ask for Help: A Simple Guide

As we get older, some choices about money, health, or legal papers can feel a bit tricky. Knowing when to ask for help from an expert is a smart way to stay in control and make sure you are making the best choices for yourself.

Think of it like calling a plumber for a leaky pipe. You call an expert to get the job done right. This guide will help you know when it's a good time to call a professional for other parts of your life.

1. When to Call the Experts

Here are some times when it's a good idea to get advice from a professional.

For Money Decisions:

It's smart to talk to a financial expert when you are:

• Making a choice that involves a large amount of money (like $5,000 or more).

• Making decisions about your superannuation or pension.

• Planning for big future costs, like moving into an aged care home.

• Wanting to make sure your money will last for years to come.

For Legal Matters:

A lawyer (solicitor) can help make sure your wishes are written down correctly. Talk to a lawyer when you are:

• Making or updating your Will.

• Setting up an Enduring Power of Attorney (for money choices) or an Enduring Guardianship (for health choices).

• Buying or selling your home or other property.

For Health Decisions:

Your doctor is your main health expert, but sometimes you need more advice. Talk to a health professional when you are:

• Thinking about a complex medical treatment.

• Planning for your future health care needs.

• Wanting to fill out your Advance Care Directive.

For Your Home and Care:

There are experts who can help you live safely and well. Talk to them when you are:

• Thinking about getting aged care services.

• Needing to make changes to your home to make it safer (like adding ramps or rails).

2. Finding the Right People to Help

In Australia, there are different experts who can help you.

• Financial Planners: Help with super, pensions, and planning your money.

• Solicitors: Help with Wills and other legal papers. Some are experts in helping older people.

• Your GP (Doctor) or a Geriatrician: A geriatrician is a doctor who specializes in health care for older people.

• My Aged Care Assessors: They can help you find the right aged care services.

Before you hire someone, it's a good idea to check that they are a real expert. You can ask to see their license or ask for references.

3. Getting Ready for Your Meeting

To get the most out of your visit with an expert, it helps to be prepared.

Before the Meeting:

• Write down your questions. This helps you remember everything you want to ask.

• Bring a support person. Ask a trusted family member or friend to come with you.

• Gather your papers. Bring any documents that are related to what you are talking about.

During the Meeting:

• Ask for simple words. If you don't understand something, say, "Can you please explain that in simple terms?"

• Take notes. Write down the important points, or ask for a written summary you can take home.

• Don't feel rushed. It's okay to say, "I need some time to think about this." You don't have to decide right away.

Remember, asking for advice is one of the smartest things you can do to look after yourself. It helps you stay in control of your future.

Disclaimer: This guide contains general information only and is not a substitute for professional advice. Always seek professional advice for your specific situation.