Tag Archives: getting older

The Full Catastrophe

It’s family disaster week.

Actually, there is nothing “family disaster” in what I’m about to say; in fact, what I’m about to say probably reflects the same family life most people have in their fifties. Some days are good, some days are bad, some days are both good and bad, and some days feel like Murphy moved into your house, took over your bank account, and decided that he personally has a vendetta against you.

I hate that Murphy guy.

This will serve as your one and only trigger warning: if you are already overloaded with family drama, I’ll see you next week. Otherwise feel free to read on.

So…the mom brag moment!

My oldest daughter called me and told me that wonderful things are happening at her job. Since she hasn’t told the world yet I won’t give you details, but let’s just say that the money is getting significantly better, she’s about to become very happy with her job and her commute, and she hasn’t felt this valuable to a company in a really long time.

It was so surprising that she was a little stunned and overwhelmed, but I’m here to tell you that she totally and absolutely deserves all of it.  Yes I’m her mom but dang that girl is bright and capable!

To put the icing on that cupcake, she told me that her partner (who is a professional photographer who does mostly BMX races) has been marketing himself a great deal in San Francisco because she travels there twice a month for work…so why not fly there together, you know? Well, after showing his work around town he got hired for a 3 day commercial shoot for a major fashion designer!!  Seriously, when I heard this I squealed out loud and he’s not even my kid.  Again…they haven’t told everyone yet and so I am keeping some details under my hat, but OMG a major (MAJOR) fashion designer!

After our phone call was over I was so excited that I danced all around my house as I got ready for my Zumba class, where I danced rather exuberantly and with great joy.  I had to let the energy out somewhere!

It has been a good couple of weeks for my girls. My youngest passed her certification exam and now is a certified Pharmacy Tech (hello, big raise!) and my son-in-law got a great job at an airport with benefits and everything.  Considering that he is thinking of going into aircraft maintenance, this is a good job to have.

Some days are good. Some weeks are good.

And then…

I have written previous posts about the challenges of aging and how important it is admit and accept that you are going to require someone else to take care of you. I have written about the importance of working through the emotions of becoming more and more disabled before you come to that point, and understanding that aging doesn’t have to be about loss.

Yeah, my parents don’t read this blog.

My dad is 76 years old and has dementia; my mom is 70 years old and chronically ill.  Both of them are slowly losing their ability to be independent, although neither of them wants to admit it.

My dad is unwilling to admit that his dementia has reduced him to the point where he cannot live independently and needs a caregiver. My mom has been filling the caregiver role for eight years, with increasingly less and less physical ability to do so, and more and more emotional and mental stress related to my dad’s decline.

I feel like we are at the breaking point.

I talk to my dad and he unloads about his frustration and overwhelming confusion in combination with his anger with my mom.  You see, he still believes that he is capable of independence, and he keeps trying to live his life the way that he used to. He thinks that it’s my mom’s anxiety that causes her to stop him from doing maintenance around the house or driving. Sadly, my dad’s dementia has made it impossible for him to evaluate his own functioning, or lack of it. And he does keep trying to function, despite the fact that the results are consistently bad.  Over and over he’ll try to “be of use” and do the things he used to do around the house, but since he no longer remembers details or how things function he ends up breaking or destroying clothes, appliances, fixtures, you name it. He has lost or destroyed so many things that my mom is at her wits end, so she tries to stop him or she ends up criticizing him because he is doing it wrong and refusing to receive instructions on how to do it right. This causes him to become belligerent and angry and then he becomes aggressive and things just keep escalating until there is a huge confrontation.

That’s when I get frantic, emotional phone calls from my mom telling me just how bad it is, how agitated and aggressive my father is becoming, how exhausted and overwhelmed she is…and I gather resources and try to offer help to her…which she refuses most of the time.  Recently she revealed to me just how aggressive my father becomes when he gets agitated, and the last time I was at their home she had me take pictures of the bruises. It broke my heart to think that my father has become that guy and that my mother feels trapped in the situation.

Disaster.

Believe me, I have tried all sorts of things, and I have gathered all sorts of resources including an elder law attorney. Nothing is getting either of them to realize how explosive this situation is becoming.

I was up until almost 2am last night running it over and over in my mind, furious with both of them for the choices they have made and are making. I have a huge list of fears, with each one more terrifying than the other until the final one involves such a horrible occurrence that I would lose both my parents at once: one to death, and the other to the criminal justice system.

All morning I have been trying to interject more logic and less fear and anger into the discourse in my head, and I have realized that no matter how much I want to, I cannot make their choices for them. As much as I love and want to protect them, every attempt to help them make a decision that would admit that they need help because of their increasing debility seems to create a backlash of resistance and petulance out of my dad, which only serves to increase my mother’s anger with him.  I don’t want my desire to “fix things” to become the reason they end up in the next screaming, violent confrontation.

I fear that the best course of action is to sit back and let their choices drive what comes next and hope that none of my fears comes true. But I’m telling you, I’m going to get a hold of that elder law attorney and get papers that would allow me to file for conservatorship and get them filled out in advance. I’m also going to ask her for a referral to an attorney that deals with criminal charges against compromised adults. I can’t save them from themselves, but I can arm myself with information, prepared paperwork, and referrals.

And then I am going to sit back, close my eyes and meditate on raises, promotions, new jobs, photo shoots, and the incredible joy I feel when I think of what amazing women my daughters have become and what amazing men they have chosen as their partners.

In the movie Zorba the Greek, one of the characters gets asked if he is married and he says “I have a wife, children, house, everything…the full catastrophe.”

Life is a catastrophe, indeed. A wonderful, excruciatingly painful and beautiful catastrophe. I would complain, but then I think of Jesus’ life and all that He went through and I realize that even my Savior lived the full catastrophe, even if he never had a house and may not have had a wife and children.  It turns out that this is the nature of incarnate life, and I don’t know that I would honestly want it to be any other way.

 

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My Curmudgeon Speaks

Yesterday I drove a friend home from her chemotherapy appointment. She was starting a new regimen and wasn’t sure how she’d react to it, so she wasn’t sure she would be able to drive herself home.  I was grateful that I was able to help her, considering there isn’t much else that I can do to help her deal with having terminal cancer.  She, on the other hand, was sorry that she had to inconvenience me.  She is uncomfortable with the ways that cancer has forced her to rely on friends for help with stuff she used to be able to easily handle on her own.  I think anyone in her situation would be terrified of just how helpless they could become and how much they might have to rely on others to care for them and for their family before the whole thing would be over.

And you can’t really blame someone for feeling like that.

I don’t think anyone likes to ask for help from others. For some of us, asking for help makes us feel weak and incapable. Here in the US, we like to think of ourselves as independent and resourceful; we don’t rely on others, they rely on us.  How that equation is supposed to work is beyond me. If everyone relies only on themselves, then being reliable for others is impossible.  The math of this equation is beyond me, and I have two master’s degrees, so I’m not going to try and figure that one out. Instead, let’s deal with the assumptions that come with asking for help, one at a time.

Here we go, folks:

The truth is that humans are weak and incapable— every day, all the time, in one aspect or another of our life and health we humans are weak and incapable. Get used to it. No matter how healthy you are today, your body is ultimately frail and bound to fail.  Eventually we will all need the services of a surgeon, a physical therapist, a mental health counselor, an oncologist, a rheumatologist, or a neurologist (just to name a few.)  Eventually the frailty of our body will cause us to rely on our family, our friends, hired help, and even skilled nursing facilities just to be able to attend to our daily needs.  Our bodies are fascinating machines, capable of so much but they are also capable of terrible amounts of sickness, frailty, and failure.

Get used to it.  It isn’t a pleasant thought, but it is important to remember that birth is a terminal disease, as the mortality rate for human beings (as it is for all other living creatures) is 100%. If you are born, you will eventually die, and the majority of people will not come on their death suddenly but instead through a process of decline and increasing disability that will require the assistance of others in order to meet simple daily needs.

Having said that (rather bluntly…but I was hoping that we could talk turkey here on this blog)…

As a counselor, I frequently ask my clients why they have not asked friends and family for assistance when they are really struggling, and I get a host of reasons:

“I don’t want to be a bother.”

“I can never repay them for all their help.”

“I don’t want to be beholden to anyone.”

For my thoughts about the first one of those reasons, see the section above.  You will be a bother occasionally, and that’s the way life works. Get used to being human for the sake of everyone who loves you, please.

But what is our issue with needing to ‘repay’ the good that is done for us?

We seem to view assistance from others as if it is a loan we receive from the bank, requiring repayment with interest.  This is especially evident in the statement “I don’t want to be beholden to anyone.”  This betrays the belief that any assistance we receive is like a debt held over our head to be called in at random when it will be most painful or perhaps even destructive.

Folks…our friends and family members are not loan sharks lurking around, hoping that we’ll need something from them so that they can squeeze us later for whatever we’re worth. If the people who supposedly ‘love’ us behave like that, perhaps it’s time to consider finding a new group of friends and putting some distance between ourselves and our extended families, because there is no love in behavior like that.

The other thing that this attitude betrays is a transactional sense of friendship and love. “You scratch my back and I’ll scratch yours.”  There is nothing wrong with reciprocity; it gets a lot done in this world. The thing about reciprocity is that it creates a closed system where you only ever give to someone who can give back in equal amounts.  The implication of such a system is that we often end up refusing to give to someone who cannot give back in equal amounts, and that puts service and random acts of kindness out in the cold. It also reduces all of our most loving relationships to simple transactions where we give only so that we can receive in kind.

And that seems to be a huge problem in our society these days: many of us refuse to give to others unless there is something explicit that we can receive in return.  And don’t start on me about how giving to others “feels good”, because the people who refuse to be beholden to others only give for the “good feeling” when their giving is to faceless others like the poverty-stricken folks in Africa.  It’s easy to give to faceless others, and so much harder to give or receive when the face before you is not only known, but in close relation to you; giving like that creates the emotional debt of “beholden-ness” that these people are trying so hard to avoid.

What would happen in the world if we simply abolished the concept of repayment when it comes to kind acts? What would happen if no one was ever beholden to the one who helped them?

I would remind you that Christ, who died so that we might know eternal life, did not expect a payback for his love or his sacrifice.  You cannot give God anything as God possesses everything.  God is not ever in need. Christ did, however, expect that we would take the grace and forgiveness that we received because of him and pass it on.  He asked that we go to all corners of the world, making disciples and teaching them everything that he taught us…basically he asked that we give away all that we’ve learned from him and all that we’ve received from him, and then teach the next recipient to pass it on just as we have.

Jesus…turns out he’s the guy who invented “Pay it Forward.”

Perhaps that’s the answer to our feelings of indebtedness when someone helps us. Don’t pay it back! Take the grace that we’ve been given and pay it forward to the next person who needs us. Give to others as we have been given to. Help others as we have been helped.  And give without thought of repayment because we have been given to by Jesus without any thought of repayment.

And when that day comes that we can no longer give to anyone—on the day that we find ourselves helpless to pay anything forward ever again—let us pay back the service we receive in humble thanks and genuine gratitude, something else that is in short supply these days.

Thank you for enduring my curmudgeonly frustrations.  It isn’t often that I want to use this space to rail against human foolishness.  You are a generous, giving reader and I intend to pay your kindness forward with a less curmudgeonly post shortly in the future.

That is all.

I Was Blind And Apparently I Still Am Blind

Meanwhile Saul, still breathing threats and murder against the disciples of the Lord, went to the high priest and asked him for letters to the synagogues at Damascus, so that if he found any who belonged to the Way, men or women, he might bring them bound to Jerusalem. Now as he was going along and approaching Damascus, suddenly a light from heaven flashed around him. He fell to the ground and heard a voice saying to him, “Saul, Saul, why do you persecute me?”  He asked, “Who are you, Lord?” The reply came, “I am Jesus, whom you are persecuting. But get up and enter the city, and you will be told what you are to do.” The men who were traveling with him stood speechless because they heard the voice but saw no one. Saul got up from the ground, and though his eyes were open, he could see nothing; so they led him by the hand and brought him into Damascus. For three days he was without sight, and neither ate nor drank. Now there was a disciple in Damascus named Ananias. The Lord said to him in a vision, “Ananias.” He answered, “Here I am, Lord.” The Lord said to him, “Get up and go to the street called Straight, and at the house of Judas look for a man of Tarsus named Saul. At this moment he is praying, and he has seen in a vision a man named Ananias come in and lay his hands on him so that he might regain his sight.” But Ananias answered, “Lord, I have heard from many about this man, how much evil he has done to your saints in Jerusalem; and here he has authority from the chief priests to bind all who invoke your name.” But the Lord said to him, “Go, for he is an instrument whom I have chosen to bring my name before Gentiles and kings and before the people of Israel; I myself will show him how much he must suffer for the sake of my name.” So Ananias went and entered the house. He laid his hands on Saul and said, “Brother Saul, the Lord Jesus, who appeared to you on your way here, has sent me so that you may regain your sight and be filled with the Holy Spirit.” And immediately something like scales fell from his eyes, and his sight was restored. Then he got up and was baptized, and after taking some food, he regained his strength. For several days he was with the disciples in Damascus, and immediately he began to proclaim Jesus in the synagogues, saying, “He is the Son of God.”         Acts 9:1-6, (7-20)

Lately I have been irritated with everything.  I have been irascible, difficult, quick to complain, and disdainful.  God only knows what my issue is…literally. God only knows, because I have no clue.  Lately I have been blaming it on menopause, and before that I blamed it on having too much on my plate, and before that on too many destabilized clients, and before that I was blaming menopause again. In the end, I have no idea why I am so unbelievably grumpy and unhappy, but that’s where I am and I am trying to be as accepting of myself as I can be, although I have to admit that I am getting tired of my bad mood.

Dear God, perhaps I am going through a second adolescence!

Okay…I got a giggle out of that idea, but in reality it is exactly how I feel.  To me, adolescence is a horrible time when children are forced to live in the strange in-between…that space where they want to be an adult but don’t really know how, where they want to have adult privileges but don’t want adult responsibilities, and where their body takes on the outside appearances of adulthood while their mind maintains the worldview of a child.  I remember it as a time when I felt entirely out of kilter, and I felt the same way when I watched my own children going through adolescence.  The funny thing is that we cannot move out of our own childhood and into adulthood without traveling the road of adolescence.  It isn’t just about our body’s need to mature; the entire process is a time of trying on new roles, new identities, new ways of thinking and behaving.  I think that is a part of why moodiness and negativity are such harbingers of adolescence: in order to take on new ways of being, first we must become unhappy with our current way of being.  In other words, everything has to suck before we are willing to let go of it and move onto something new.

Perhaps I am going through a second adolescence.

I am finding myself at that place in my life where I find myself asking “Why am I still doing this?”  I ask that about my habits, about my career, about my decisions, about almost everything except my husband.  Nothing seems to be as satisfying as it was five years ago.  I thought that it was just my own inner musings (and a heaping dose of hormones in flux) but then my massage therapist asked me how well I was sleeping.  I told her that I hadn’t been sleeping very well for a while, but assumed that it had to do with menopause (I blame it for everything these days) and then I asked her why she was asking.  She told me that I felt wrong to her, that there seemed to be something that I needed to let go of, something way down deep…perhaps soul deep.

Her statement gave me pause and I thought about what she said for the rest of my hour on the massage table.

I wonder if Saul wasn’t in the same position as he headed to Damascus.  Certainly he was doing what he thought was right, rooting out heretics (Christians) who continued to worship in the synagogues so that they could be brought condemned and executed for blasphemy.  And yet on the way to Damascus he found himself struck blind, confronted by the same Jesus whose followers he was bent on persecuting.

The funny thing is that when Saul, later calling himself Paul, tells this story to King Agrippa in Acts 26, he says something we often miss.  Paul tells Agrippa that when Jesus spoke to him:

I heard a voice saying to me in the Hebrew language, ‘Saul, Saul, why are you persecuting me? It hurts you to kick against the goads.’  Acts 26:14b

“Kick against the goads” is a phrase we don’t use anymore, but it refers to an animal being goaded along by a sharp stick, like a cattle prod.  An animal kicking against the goads was refusing to accept the prompt it was being given, refusing to move…and sadly risking a great deal of pain, because kicking at something sharp is a really good way to get poked really hard and maybe even cut or stabbed.

Essentially, Paul was admitting that Jesus had been prodding at Paul for some time and that he had been refusing the prompts of the Lord to move along, to change, to accept what he was being shown.  Apparently Jesus had been poking at Paul for a while trying to get him to accept Jesus as Lord and stop persecuting the Christians, and when Paul didn’t listen, Jesus decided to go big and appear to Paul on the road to Damascus, striking Paul blind.

But wasn’t Paul blind the whole time?

After all, when something is prodding and poking at you, trying to get your attention, how blind do you have to be to miss it?  All of us have been there, where something was obvious to everyone but us, but we just didn’t manage to see it.  But then there comes to bigger blindness, when something keeps prodding and nudging us and we refuse to acknowledge it no matter how great the prompt.  As counselors we sometimes call that choosing to be blind.  Saul/Paul chose to be blind for so long that Jesus pulled out all the stops, simultaneously revealing himself to Paul and revealing Paul’s blindness.

Which brings me back to adolescence.

Adolescence is one long period of being goaded to change, to release childish self-focus and embrace accountability and responsibility for ourselves and others.  It is uncomfortable and only a child’s dissatisfaction with the restrictions of childhood can make them let go their old ways of being and embrace their emerging adult self.

Could it be that I am in a second adolescence?  Is God goading me to let go of my current ways of being, ways of being that are no longer useful or meaningful, ways of being that don’t reflect my advancing age, my changing role in my own family and in my community?  Is God letting me know that I’m not really attending to His will like I should? I don’t know.  But my lousy mood, my bad attitude, and my generalized dissatisfaction with my personal status quo just might be God trying to tell me to move on, to go where He is leading me.

“And immediately something like scales fell from his eyes, and his sight was restored.”        Acts 9:18a

I am waiting Lord.  Help me before something big shows me just how blind I have become.

I didn’t want to be so doggone serious but…

This last weekend I visited my husband’s aunt Margot and her partner Ginny.  Margot will be 90 years old this January and we have visited her every summer for the last 18 years or so, maybe longer.  We would stay with her as a part of visiting my husband’s family at their lake cottage in Indiana.  Now that both of my in-laws have died we make sure to take time every summer to fly east and spend time with Margot and Ginny.  It was wonderful being with family and getting away, but it left me with a lot of things to think about.

Margot has dementia.  She had dementia last time I saw her and probably the time before that as well, but this time…ouch.  She would ask the same questions over and over again.  She often couldn’t remember something for more than three or four minutes…even if that something was as simple as “Have I eaten lunch?”  She would forget that I had sat next to her eating breakfast as soon as I left the breakfast nook to head upstairs for my shower.  It took me a few days to realize that Margot was not always oriented to time either; sometimes she seemed to forget that Phil and I have been married for 27 years and aren’t fresh-faced newlyweds anymore. I wish I could remember more examples of her behavior, mostly because I want to convey to you how alarming it was to realize how much she was deteriorating.  I remember Margot as the consummate hostess, on top of everything.  I expected her physical health to deteriorate as she aged and for her ability to be the hostess to come to an end; I guess I didn’t expect her mind to leave us before her body did. The hardest part was realizing shortly after I boarded the plane to come home that Margot wouldn’t remember our visit by the time dinner rolled around.  We left her home for the airport shortly after lunch.

I had a number of discussions with Margot’s partner Ginny about the challenges of taking care of Margot.  I won’t go into details because Margot would be horrified if she knew I was telling you about her struggles. I realize that she will never read this blog (and even if she did, she wouldn’t remember the content for more than a few minutes) but hey—I love the woman and I don’t want to do anything that would cause her pain, whether she’ll actually have a chance to experience that pain or not.

The thing that has been picking at me ever since I started speaking frankly and honestly with Ginny about the challenges of being a caregiver is how deeply we fail, as adults, to prepare ourselves for becoming old.  I realize that most of us think about the money we’ll need when we retire, and where we want to live when we’re old and done with our career…maybe we even think about final things and write a will or create a medical power of attorney so that we can insure that our wishes for our own final days will be carried out faithfully.  All of those things are great, but these are not the things I’m talking about.   I’m talking about the stuff that few of us plan for, the stuff that has nothing to do with finances or who gets what.  So for the sake of this blog post, let’s just assume that all of will live to be 95 years old before we die.

So…what goes along with being old? Sagging skin…age spots…difficulty moving as quickly and as deftly as you used to…aching joints…Medicare…those kinds of things.  And I think all of us can accept those kinds of things, as long as nothing worse than those things happen.

Except things far worse than those things happen when you grow old.

I have taken care of both of my in-laws as they died, and I am here to tell you that if grow old before you die, you will probably lose the ability to take care of your basic needs before you die.  This is the point where you say “Duh!  I think I knew that!” and I say “Really?  Are you ready to have someone change your diaper?  Wipe your bottom?  Shower you while you sit there naked?”

I’m betting you’re horrified at these thoughts.  Most of us are horrified at the possibility that we won’t be able to go to the toilet alone, or shower alone; that we may need to have someone help us do something as simple as eat a meal.  Basically, we avoid thinking about the possibility that before we die we will be as helpless as an infant and require as much care.

Sticky problem, isn’t it?

You and I really cannot do much to avoid such a future.  Oh, we can eat healthy and exercise, do things to prolong our healthy years, etc. but there is no way to avoid the slings and arrows of aging.  We cannot predict if we will become debilitated with cancer, or if we will lose our minds and abilities to dementia, or become disabled because of a stroke…we have NO idea what our future holds.

The truth is that we have never been able to predict our future. But I am betting that many of us have had children, and at some point in that journey we asked ourselves what we would do if ____________ happened to our child.  You can fill in the blank with all sorts of challenges.  What if our child is born with Downs Syndrome? What if our child is deformed or disabled?  What if our child commits a terrible crime? What if our child is a genius? What if our child is mentally ill?  What if our child uses drugs? What if our child is a musical prodigy? What if our child goes against our religious beliefs? What if our child is gay?  What if our child never marries? What if…what if…what if…

I don’t know about you, but my husband and I spent hours and hours thinking about how we would handle different scenarios, and I must admit it gave me comfort to think about some of the challenges that we might face as we raised our daughters.  Some of those challenges actually came true and I believe (although I may be wrong) that we faced our challenges with greater grace and peace because we had already made some decisions in advance.

What stops us from thinking about our own aging?  Why, when we are so careful to think about the challenges we may face in our marriage or with children, do we fail to think through what might happen as we age?  It’s not that hard to do.  Try it.  For a moment, think about how you would LIKE to handle it if you would need to have someone clean you after using the toilet because you are unable to do it yourself.  Go ahead…imagine the scene, and then imagine yourself dealing with your feelings, your impulses, your loss of independence and power…think about how you would like to act without suddenly granting yourself abilities (like independence) that you might not actually have.

For myself, I would hope that I would have the grace to thank my caregiver for their help.  I hope that I will take the time to make conversation with my caregiver, get to know them and perhaps become friends with them.  I would hope that if I was struggling with humiliation at my situation that I would remember that my caregiver has feelings and needs and that I would pray for them to have patience with me; then I would ask for as much grace as God could grant so that I could let go of my ego and sense of humiliation over needing that much assistance.  Do I like thinking about this scenario?  NO.  Do I need to think about this scenario?  My experiences with taking care of my in-laws speaks a resounding YES.  When it comes to caregiving, I have already done diaper duty and I pray that my mother-in-law could felt my love for her radiating out of me as I cleaned her bottom.  I hope she felt no humiliation and simply knew that whatever she needed was okay with me.

After all…that’s how I felt when I cared for my own babies.  We forget that babies are born totally helpless and remain helpless to effectively care for themselves for years after their birth.  I was still showering with my youngest daughter until she was 11 years old and finally achieved puberty.  Once puberty hit I couldn’t get her to stop showering and had to limit her to three showers a day. Why was it so easy to care for my children and love them unconditionally no matter how much care they needed and how often their needs changed? And why is it that when I am faced with becoming just as helpless in my old age do I have this idea that my worth as an adult rests on my ability to care for myself without assistance?  We act as if babies are priceless…as if young children are worth their weight in gold…mostly because this is absolutely true.  How is it, then, that we do not grant ourselves the same worth when we become old and need the same assistance that small children and infants do?

I do not understand why aging and our eventual helplessness is such a bitter pill for us to swallow.  What I do know is that we will all find ourselves in the position of being caregiver for an elderly person, and we will all find ourselves in the position of being the elderly person who needs care (unless we tragically die before we reach our old age.)  I challenge you to decide NOW how you want to think about being elderly and needing care for your most basic needs.  I challenge you to decide how you want to think about caregiving for your parents, your elderly relatives, and maybe even your siblings.  I challenge you to think about how you want to understand yourself and your personal value when you can’t do anything and have to allow others to take care of you.  Do it NOW while you still have time to think about it with leisure and clarity, because there is no guarantee that you will have any clarity left at the point you begin to need care.  The decisions you make NOW may be the difference between being miserable in your old age and being one of those elderly folks that others want to grow up to be.