It is never to soon to begin planning for incapacity. Life’s problems are at least as complex and important as death problems; particularly the problem of incapacity and the cost of quality care. The purchase of Long-Term Insurance, if possible, can ease some of the financial burdens that may occur in the future. However, you should have a Property Durable Power of Attorney and a Health Care Power of Attorney Patient Advocate Declaration prepared. These are very important life time documents, then discuss your wishes with the people you have named.