IT STARTED innocently. A doctor’s visit. A blood test. Results. Admit to hospital for “a couple days of observation” that instead cascaded, over six days, into my husband’s death at age 71. His death certificate states “etiology unknown.” While doctors suspected prescribed medication, we will never know just what caused his liver to fail.
Throughout, the situation had been confusing. Clarity regarding treatment options—and the likely outcome from procedures—was in short supply. He and I and doctors made medical decisions in the face of this uncertainty and without regard to costs. Crucially useful was my husband’s advance medical directive, completed a decade earlier when we updated our wills. I kept this at hand to reference as we made decisions. Language in directives is ambiguous and can be a poor fit to clinical decisions. Yet the directive was essential to working through differences of opinion among family members and to obtaining, in the final hours, a frank assessment from attending doctors and clinicians.
Amid many roundtrips at all hours between home, hospital, airport and hotels, I lost my identification twice. Once, I was paying for parking at the hospital lot kiosk. I cancelled my credit and debit cards before getting my wallet back two days later, less the cash. “Nobody turns wallets in, ever,” said the hospital security guard as he handed it back.
After that, I only carried keys, phone, my driver’s license and my backup credit card, and lost the license and credit card a couple of days later. It would be two months before I could replace my driver’s license with a new picture ID. In the interim, I carried my passport card and a printout listing my appointment with the DMV to replace my driver’s license.
At the end, I was bedside with our three teenagers. Afterward, before leaving for home, our youngest asked me to promise two things: “Take care of yourself” and “Don’t spend money on stupid stuff we don’t need.”
Fifteen minutes after the children left with a friend, the head nurse gave me a handout on death and asked where to send the mortal remains. Our careful and frugal life together was over. No more deciding together. No more sharing costs of anything. No more splitting the bill for family nights out. Numerous expenditures—many I had never contemplated—were unbudgeted for this calendar year. The proverbial meter was running, and I didn’t yet know where I was going.
Here are just five of the lessons I learned during this grueling period:
This is the first article in a series. Catherine Horiuchi is an associate professor in the University of San Francisco’s School of Management, where she teaches graduate courses in public policy, public finance and government technology.
HumbleDollar makes money in four ways: We accept donations, run advertisements served up by Google AdSense, sell merchandise and participate in Amazon‘s Associates Program, an affiliate marketing program. If you click on this site’s Amazon links and purchase books or other items, you don’t pay anything extra, but we make a little money.