Before the Will, prepare for disability

It's important for all heirs to present a united front to give comfort to banks/depository participants

A close friend, Sunil, went through a rather harrowing time in 2016. His 83-year old father was hospitalised after a massive stroke. While prompt medical attention ensured his survival, his bodily functions were severely impacted. Forget speech, he was not able to communicate properly. His cognition was severely impacted though he was still able to recognise Sunil, his elder sister Shristi, their kids and some close friends.

Sunil’s experience holds lessons for all of us. Sunil’s father was a widower and financially independent. Sunil and Shristi were the only heirs. His assets were held in his own name, but he had