If you ever become too sick to communicate clearly, who will make decisions about your healthcare? Advance directives are a helpful planning tool for everyone, regardless of current health, and the forms are free.

For most of us, filling out forms isn’t a favorite task and it becomes even less so when dealing with sensitive issues surrounding our life. Approximately 55 percent of American adults do not have a will, so clearly it’s not an activity people enjoy doing at the best of times.