In situations where your loved one cannot speak for themselves, medical personnel will turn to the next of kin to get help in making important health decisions. It is important to have your loved one’s wishes of how to respond in a serious medical situation be known in advance, through several documents such as an Advanced Directive and Living Will.

Sometimes having legal or financial expertise can be helpful in making important decisions. Here’s how to find and choose an Elder Law or Financial Expert.

Here’s an overview of the basic categories of care most often needed by elders and payment options available, including what Social Security and Medicare covers for elderly care — and what it doesn’t cover.