27
May 2025
Easing the Burden: Practical Tips for Planning During Health Challenges
Published in General on May 27, 2025

A health challenge, whether our own or that of a loved one, can turn our world upside down. Amidst medical appointments, treatments, and stress, the last thing anyone wants to worry about is navigating logistical and financial complexities.
“I've worked with many families facing such difficult times, and in my experience, some practical planning when facing health uncertainties can ease the burden on everyone involved,” says Sarah Corbette, a spokeswoman from budgetcremation.com.au.
Immediate Steps in a Health Crisis
When there’s a health crisis, concerns often revolve around medical care and facilities. Next, ensure that key family members or trusted friends are aware of the situation, the medical plan, and any immediate needs. Designate a primary contact person to disseminate updates, which can prevent the patient or immediate caregiver from being overwhelmed with calls and messages.
Financial Preparedness
Financial preparedness is key. Medical treatments and associated costs, even with insurance, can be substantial. It’s essential to understand your health insurance coverage thoroughly一what’s included, what are the co-payments, and are there any annual limits? Keep all medical bills, receipts, and insurance correspondence organised in one place. If you anticipate financial strain, speak to the hospital’s social worker or financial counsellor. They can often provide information about support programs, payment plans, or charitable assistance. Research shows that the economic stress on informal caregivers can increase by between 9.9 and 14.5 percentage points.
Legal Documentation
“While it might seem like an added stressor during a health challenge, ensuring you have an up-to-date Will, an Enduring Power of Attorney (for financial decisions), and an Enduring Guardianship (for lifestyle and medical decisions) is vitally important,” according to Corbette.
If the patient becomes unable to make decisions for themselves, these documents ensure their wishes are respected and that someone they trust can act on their behalf. If these aren't in place, it can lead to significant legal complications and resulting distress for the family.
Advance Care Directive
She also stresses that an Advance Care Directive is particularly pertinent during health challenges. This document outlines your preferences for future medical treatment in specific situations, especially if you are unable to communicate your wishes. Having this in place can guide doctors and family members, ensuring your values and choices are honoured. It’s a conversation that should ideally happen when you are well, but it can be addressed even when facing illness.
Practical Support for Daily Life
Dealing with severe or chronic health issues is no easy task, so having practical support for daily life is also key.
If the patient is the primary caregiver for children or elderly relatives, or has pets, arrange for their care. If they live alone, organise for someone to check on their home, collect mail, and manage essential household tasks. For those staying in accommodation near a hospital, like those found through Hospital Stays, think about practicalities like meals, laundry, and transportation to and from the medical facility. Many accommodations offer kitchenettes, which can be a cost-effective and comforting option compared to eating out for every meal.
In Melbourne, several short-stay options near major hospitals—such as The Royal Melbourne Hospital, Peter MacCallum Cancer Centre, and The Alfred—are available through providers like Corporate Keys and Hospital Stays. These accommodations are designed with patient families in mind, offering convenience, comfort, and often discounted rates for extended stays during treatment periods.
Emotional Well-being
Facing health challenges is emotionally draining for both the patient and their loved ones. Carers Australia's 2022 Carer Wellbeing Survey found that informal carers are two and a half times more likely to have low wellbeing compared to the general adult population. They need to look for support from friends, family, support groups, or mental health professionals. Many hospitals have chaplains or counsellors available who can lend a listening ear or share an experience. Taking care of your emotional health is just as important as managing the physical aspects of an illness.
Support for Caregivers
For those supporting a loved one through a hospital stay, remember to take care of yourselves, too. It’s easy to get overwhelmed by caregiving, and informal caregiver burnout is a real risk. The same Carers Australia survey highlighted that 45% of carers report poor health themselves. Ensure you’re eating properly, getting enough rest, and taking breaks. Accept offers of help from others, whether it’s bringing a meal, running an errand, or simply sitting with the patient so you can have some time off.
Finally, while it’s a difficult topic, it’s practical to have some thought given to end-of-life wishes,
especially if the prognosis is life-threatening. This doesn’t mean giving up hope, but rather being prepared. Knowing a person’s preferences for funeral arrangements, for instance, can alleviate a huge burden from the family later.