What we don’t like to think about, but need to prepare for

Do you ever think, what would you do if your spouse was in a serious accident?

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Theresa and Norm McColl at Theresa’s college graduation.

Who pays the bills? How are they paid? Do you have access to your spouse’s bank account?

And the big question: do you have a will and power of attorney (POA)? Do you know where they are?

If you answered ‘yes’ to these questions, I applaud you. You are prepared.

Regardless of our age, many of us think we’re too young to worry about the practical details of what would happen if we or our spouse were suddenly seriously injured or deceased. These are difficult topics to talk about, and we are like to think ‘it’ll never happen to me’. That’s what my husband, Norm, and I thought.

One day, we drove past a place that did wills and power of attorneys. Norm said, “We don’t need a will and power of attorney.”

But something in me felt differently, and I insisted we get them done.

I am so glad we did. A little while later, on Thursday, April 28, 2011 things changed for us forever when Norm was in a very serious car accident.

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This photo collage represents Norm’s passions before his injury. From top (R-L) logos from Guelph Storm Hockey, Kinsmen Club, Guelph Fire Department and Guelph Radio Station.

The pickup truck he was driving was T-Boned and ended up underneath a tracker trailer.

Norm was only able to mumble his name and where he worked before he lost consciousness. He was air lifted to Sunnybrook Hospital from where we live in Guelph. He had several broken bones, and we were soon to learn, a traumatic brain injury.

Until then, Norm lead a busy life. He worked at the firehall and had a radio show. He was, and continues to be, a Kinsmen.

Norm’s injury changed my world in countless ways, including the practical ones. Until then, he had been the bill payer and, in large part, the provider. In an instant, those duties became mine. I had no idea what to do, and I needed to find our POA.

All of our bank accounts and bills were under Norm’s name, and I needed the POA to gain access to them. Without the POA, who knows how long it would have taken before I could start to live and pay bills.

I am very grateful Norm listened to me that day when we were out for a drive. I am glad that our wills and POA were in effect. If we had just said, “Oh, that’s just for old people,” and drove by, I would have been in a heck of a mess.

After hearing my story,  what are you waiting for? Are you prepared?

Please don’t wait, tomorrow, may be too late.


After her husband’s injury, Theresa went back to school to become a Personal Support Worker. She has taken courses in brain injury, and is now a full time caregiver. You can follow her on Instagram, HERE
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