Mom worries about who will care for disabled son in future

Dear Eric: My psychologically disabled adult son who also suffers from chronic physical illnesses will live with me for the remainder of my life as I care for him.

His medications, doctor visits and hospitalizations with multiple surgeries take up most of his monthly disability income. I was informed by my attorney to have an executor of my will selected in order to allow him to continue to get his disability pay so that his assets would not show over the required amount.

Most of the people I know that could do this are my age (70), and all of us could die leaving him in a predicament. My younger friend in her 40s is an ideal person for this, but she is hesitant to take on such a role.

My understanding is that when he needs money, he would call her, and she would simply deposit that money from my account to his. The bills would be auto-paid. Everything else is in trust. I was also told a bank, or financial planner could take this role but would charge high fees and my son’s severe social anxiety would not allow him to communicate with someone not known to him.

Do you or your readers have any suggestions?

— Concerned For The Future

Dear Concerned: I talked to attorney Lindsey Weidenbach, who has expertise in estate planning, to get some best practices for people in your situation. While she couldn’t provide legal advice, she helped me better understand the factors at play. She pointed out that estate programs can last for years, requiring significant mental capacity and time to manage, including making an inventory of assets. So, part of your friend’s hesitation may be related to the scope of the duties required of a will’s executor.

I’m curious if you’ve discussed the option of making someone a trustee of the trust, which may have a much more limited set of duties — i.e., the phone calls from your son that you outlined. This also would provide a check and balance system that doesn’t involve your friend accessing your account.

It’s also possible that your friend sees the amount of care that you provide and is unsure of her ability to take on that role. Presuming you’ve thought through what services or professionals can help your son in the way that you do, you should talk it through with your friend. Does your son need transportation help? Will he need a medical advocate? Giving your friend a clear, honest understanding of what’s being asked will help her.

The work you’re doing to plan is important and loving. I also know that it’s stressful. If you haven’t already, you may also want to reach out to an organization like the Academy of Special Needs Planners (specialneedsanswers.com) for guidance.

Dear Eric: Your response to “Sad In Urinetown” strongly implies that urinating on plants can only be a mentally disordered behavior. I challenge this. Perhaps you didn’t have time to read the studies and articles from agriculture and gardening into this question.

In sum, urine has many useful nutrients for plants life and is generally a healthy fertilizer. It is only social convention and laws against urinating in public that shame us for doing what our ancestors did without harming plant life.

So, perhaps, revise your advice? This behavior is harmless. May he learn a time and a place, as many of us do, caring for our plants by not forcing all our urine through municipal water treatment plants that require considerable inputs at great expense, and instead urinate outside when it doesn’t violate law and order.

— Plant Lover

Dear Plant Lover: While I quibble with the assertion that I said the letter writer’s husband’s habit of urinating outside could only be mentally disordered behavior, I wanted to print your letter because I found the points about urea being a good fertilizer to be interesting. After doing some reading, I found that it’s recommended the urine be diluted as opposed to coming straight from the person. Much to consider.

The letter writer said her husband repeatedly apologized for going to the bathroom outside, but continued to do it, which suggests forgetfulness or willfulness, rather than a desire for most bountiful blooms. So, to my mind this is an issue of spousal communication.

However, going forward, she might choose to see a silver lining, armed with the knowledge that it can benefit the plants on their patio. Thanks for the urination education.

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