Let’s talk long term planning. Many of us have new health insurance cards issued this month with the new year. Be sure to have an “In Case of Emergency” file clearly marked and in a spot it can be found by whomever needs accessibility to it. In it have your Durable Power of Attorney, Insurance information, current medications, your will, and any pre-need plans you have made. (While this may seem morbid to some, in reality, it’s extremely helpful and a necessity.) Also make sure that the person(s) who may need to access it know where it is.