Letters of Instruction
How to talk to your parents about their estate plans
without looking like a vulture.
Few conversations can be harder to have with your parents than asking about the plans they’ve made for
their death. Even in the healthiest parent-child relationship, broaching that subject can feel like tempting
fate to you – and courting fate to your parents. Money issues can be the messiest, calling into question
your reason for asking and your parents’ reasons for the decisions they’ve made – especially if you have

Popular culture, news events and even local happenings can give you the excuse to open that
conversation in a nonthreatening way. Word of a natural disaster with fatalities, an elderly family friend
moving to a nursing home or a sudden death of a seemingly healthy celebrity can give you a reason to
casually say, “If something like that happened to you, how will we know what to do?”

Your parents might respond that it’s all in their will. That’s great, but a will is read
only after a person’s death, and even then usually weeks or months later. Ask
your parents if they’ve written a letter of instruction. Sometimes called “death
letters,” these documents often wind up in envelopes marked “To be opened in
the event of my death” – although situations of disability or serious illness often
require the same communication.

Letters of instruction provide critical information for family members in the event
a parent becomes incapacitated or dies. They often include the name of key
professionals the family can contact, such as the parents’ attorney, accountant,
insurance agent and financial advisor, and the location of important documents
like wills, insurance policies, legal and
medical powers of attorneys, living wills
and deeds to property. They may detail how personal possessions not listed in
the will should be distributed, or the parents’ preferred or prepaid funeral

Adult children often find discussing a letter of instruction easier than talking
about wills or estate plans, because their parents don’t have to divulge where
their money is, how much there is, or where it will go after they die. Instead, the
letter of instruction tells the children how to find that information and, in the
event of a health crisis, when.

Medical advances have made issues about prolonging life some of the most
important that families can share and that parents can document in their letters
of instruction. Organ donation and life support usually top the list, but parents,
especially those with multiple children, need to detail their wishes for the
possibility they can no longer care for themselves. Will one child become the
default caregiver? What resources will that child have? Should the parents
stipulate they prefer an assisted living or nursing facility to ease the burden on,
or prevent resentment among, the children?

Your parents have been in the position of giving you instructions before. Ask
them to do so again, in writing. Conversations about their wishes or instructions can lead to more
detailed discussions about wealth. The key to those more advanced discussions is to approach them
from the same direction: “How will I know what to do for you when you can no longer tell me?” Then you
can learn the financial resources your parents have available to pay for prolonged medical care or a
residential facility, for example. By focusing on the assets and resources your parents have to pay for
their needs – instead of what they’ll have left to give you – you can learn more about your parents’ wealth
without feeling like a vulture.
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Letters of Instruction