((((( Cakeladie )))))
I just found your post. You are so dear, sweet and kind. I am so sorry for the sorrows and pain you are enduring.
I do think it's wise to preplan and prepay everything, but then, I worked in the life insurance industry for years, so it's normal for me. I don't think the best time to be thinking about it is when you've got a migraine and you're sick in bed.
If there is ever anything I can do, I am here for you. 
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I still dream and I still hope, therefore I can take what comes today.
Jan is in Lothlorien reading 'neath a mallorn tree.
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