Personal finance expert Dave Ramsey has joked that to show you hate your family, "leave unclear instructions and no will." Without knowing your final wishes, those close to you could fight over your estate or wind up paying your end-of-life costs themselves. If your loved ones struggle to manage the probate process, the burden may also affect them physically and emotionally.

Many of us appreciate the companionship, support, and unconditional love animals provide. If you own a pet, you can become so close to them that they become part of the family. In case something happens to you, it is extremely important to have documents in place to ensure they receive care in your absence.

According to a Caring.com survey, 56 percent of American adults know it's important to have a will, but only one in three has an estate planning document.

The older you get, the more likely you are to be affected by legal issues involving aging. An elder law attorney can help you address some of them. An elder law attorney offers guidance on matters that concern the elderly, their families and caregivers, and adults with special needs, including long-term care and estate planning.

There are many reasons that the elderly need short term disability insurance. Take for example Sandy who was a caregiver for her 85-year-old mother. Sandy still worked full time and would help her mom in the evenings and weekends. Unfortunately, Sandy was in a serious car accident and would be ou...