The 5 Most Overlooked Documents in Estate Planning (and Why You Still Need Them)

When most people think about estate planning, they focus on big decisions: writing a will, setting up a trust, or naming beneficiaries. But what's often overlooked are the legal documents that protect your wishes while you're still alive.

Here are five estate planning documents that are essential—especially for women over 60—and why they matter just as much as a will.

1. Power of Attorney

This document lets someone you trust manage your finances if you're unable to. It's a critical piece of any estate plan.

Why it matters: Without a power of attorney, your loved ones may need court approval to act on your behalf—even just to pay your bills or access your bank account.

2. Healthcare Proxy

Also called a medical power of attorney, this document designates someone to make medical decisions for you if you can't.

Why it matters: It ensures someone who understands your values and preferences—not a stranger—will guide your care.

3. Advance Directive (Living Will)

This outlines your wishes for end-of-life care, such as life support or resuscitation preferences.

Why it matters: It removes guesswork and guilt from your loved ones, while helping doctors follow your wishes.

4. HIPAA Authorization

This allows specific people to access your private medical records and talk to your healthcare providers.

Why it matters: Without it, even close family members might be shut out of critical conversations about your health.

5. Digital Assets Authorization

This newer document gives someone permission to access your digital life—photos, email, social media, and online banking.

Why it matters: So much of life is now online. If you pass away or become incapacitated, managing your digital footprint can be impossible without this in place.

The Bottom Line

A will or trust determines what happens after you're gone. These five documents protect your well-being while you're still here.

Whether you're working with an estate planning attorney or starting your own checklist, don't overlook these powerful tools. They can make all the difference when it matters most.