{"id":1756,"date":"2019-01-15T00:00:00","date_gmt":"2019-01-15T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/2019\/01\/15\/you-never-know-what-tomorrow-may-bring-unless-youve-been-through-it\/"},"modified":"2026-10-15T10:17:32","modified_gmt":"2026-10-15T14:17:32","slug":"you-never-know-what-tomorrow-may-bring-unless-youve-been-through-it","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/you-never-know-what-tomorrow-may-bring-unless-youve-been-through-it","title":{"rendered":"On ne sait jamais ce que demain nous r\u00e9serve \u2013 \u00c0 moins de l\u2019avoir d\u00e9j\u00e0 v\u00e9cu"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span>Dave et Jill \u00e9taient des professionnels occup\u00e9s dans la quarantaine avec deux enfants adolescents lorsque la m\u00e8re de Dave a commenc\u00e9 \u00e0 montrer des signes de perte de m\u00e9moire. La maladie d\u2019Alzheimer progressait lentement, et au fil du temps, elle est devenue de plus en plus confuse et a fini par perdre toute capacit\u00e9 de communiquer. Tout au long de ces ann\u00e9es, Dave et Jill l\u2019ont aid\u00e9e autant qu\u2019ils ont pu, tout en jonglant avec leurs obligations professionnelles et parentales.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Le p\u00e8re de Dave a pass\u00e9 plusieurs ann\u00e9es \u00e0 s\u2019occuper de sa femme, mais les soins dont elle avait besoin sont \u00e9ventuellement devenus trop importants. La famille a alors d\u00fb prendre la lourde d\u00e9cision de leur faire quitter la maison dans laquelle ils avaient toujours v\u00e9cu, tout en essayant de s\u2019y retrouver dans le syst\u00e8me complexe des soins aux a\u00een\u00e9s. La m\u00e8re de Dave a pass\u00e9 ses derni\u00e8res ann\u00e9es dans un \u00e9tablissement de soins de longue dur\u00e9e o\u00f9 au moins un membre de sa famille la visitait tous les jours et l\u2019aidait \u00e0 prendre ses repas, jusqu\u2019\u00e0 son d\u00e9c\u00e8s.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Cinq ans plus tard, au moment o\u00f9 ils se faisaient une joie d\u2019enfin prendre leur retraite, Dave et Jill ont \u00e9t\u00e9 confront\u00e9s \u00e0 un autre coup dur. La m\u00e8re de Jill et le p\u00e8re de Dave ont tous deux commenc\u00e9 \u00e0 perdre leurs fonctions cognitives de fa\u00e7on marqu\u00e9e. Le quotidien de Dave et Jill s\u2019est rapidement r\u00e9duit \u00e0 s\u2019occuper de leurs parents et \u00e0 agir comme mandataires en vertu de la <a href=\"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/etes-vous-pret-a-etre-un-liquidateur-un-role-pour-les-plus-audacieux\">procuration<\/a> de leurs parents.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Les deux parents sont maintenant plac\u00e9s en \u00e9tablissements de soins de longue dur\u00e9e. En r\u00e9fl\u00e9chissant \u00e0 ce parcours difficile, Dave et Jill auraient vraiment aim\u00e9 avoir eu l\u2019occasion de discuter avec leurs parents de leurs plans et des impr\u00e9vus possibles, et de s\u2019\u00eatre mieux renseign\u00e9s au sujet du r\u00f4le de mandataire pour un \u00eatre cher (pour des d\u00e9cisions financi\u00e8res et relatives au soin de la personne). Comme ils ont \u00e9t\u00e9 confront\u00e9s \u00e0 tant de questions dans le cadre de leurs fonctions d\u2019aidants et de mandataires, Dave et Jill ont l\u2019impression d\u2019avoir perdu du temps pr\u00e9cieux avec leurs parents et ont souvent d\u00fb prendre des d\u00e9cisions assaillis par l\u2019incertitude et le stress.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Bien que leur exp\u00e9rience ait \u00e9t\u00e9 p\u00e9nible, elle a aid\u00e9 Dave et Jill dans leur propre planification. En l\u2019ayant v\u00e9cue, ils connaissent maintenant l\u2019importance cruciale d\u2019\u00eatre proactifs, d\u2019avoir ces conversations importantes avec leurs proches le plus t\u00f4t possible et de conna\u00eetre les options et les ressources qui s\u2019offrent \u00e0 eux.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>De plus en plus de familles vivent ce genre de situation. Selon le gouvernement du Canada, plus de 400\u2009000&nbsp;Canadiens de 65&nbsp;ans et plus <a href=\"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/recognizing-the-early-signs-of-dementia\">vivent avec une d\u00e9mence diagnostiqu\u00e9e<\/a>, et ce nombre devrait doubler d\u2019ici&nbsp;2030. D\u2019autres statistiques indiquent \u00e9galement qu\u2019il y a environ 25\u2009000&nbsp;nouveaux cas d\u2019Alzheimer chaque ann\u00e9e. Il est important de bien r\u00e9fl\u00e9chir \u00e0 ces r\u00e9alit\u00e9s de la d\u00e9mence et au besoin de planifier en cas de probl\u00e8mes de sant\u00e9 li\u00e9s \u00e0 l\u2019\u00e2ge.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Notre \u00e9quipe de Gestion de patrimoine voit de plus en plus de situations d\u2019invalidit\u00e9 chez les personnes \u00e2g\u00e9es et les autres groupes d\u2019\u00e2ge, et pour les personnes et les familles qu\u2019elles touchent, l\u2019impact est r\u00e9el et les r\u00e9percussions personnelles et financi\u00e8res peuvent \u00eatre consid\u00e9rables. La gestion du patrimoine familial peut \u00eatre complexe au meilleur des moments, mais lorsqu\u2019on ajoute une situation d\u2019invalidit\u00e9, le niveau de complexit\u00e9 augmente consid\u00e9rablement. C\u2019est pourquoi aider les familles dans le cadre de toutes les formes de planification de l\u2019invalidit\u00e9 est une priorit\u00e9 absolue au sein de notre \u00e9quipe.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Dans cette optique, il est important d\u2019anticiper l\u2019incidence du vieillissement sur vos ressources financi\u00e8res et d\u2019avoir une id\u00e9e claire des co\u00fbts r\u00e9els des soins, qu\u2019il s\u2019agisse d\u2019une r\u00e9sidence pour personnes \u00e2g\u00e9es, de services d\u2019aide \u00e0 la vie autonome ou de soins infirmiers \u00e0 domicile, par exemple. Un autre \u00e9l\u00e9ment cl\u00e9 de la planification est une procuration \u2013 outre la r\u00e9daction d\u2019un document valide, il est important de bien comprendre son fonctionnement, le pouvoir qu\u2019elle accorde en ce qui a trait aux d\u00e9cisions financi\u00e8res et personnelles, et les obligations et responsabilit\u00e9s de la personne ou de la partie que vous choisissez pour agir en votre nom. Tout au long du processus de planification, l\u2019\u00e9l\u00e9ment essentiel est le dialogue continu avec les membres de la famille de sorte que tous soient mis au courant des mesures prises et que personne ne doive composer avec la pression de faire face \u00e0 une montagne de d\u00e9cisions.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Je sais que vieillir n\u2019a rien d\u2019amusant (\u00e0 moins que vous ayez 19&nbsp;ans et que vous ayez h\u00e2te d\u2019avoir 20&nbsp;ans) et voir les gens qu\u2019on aime vieillir est encore moins dr\u00f4le. Vieillir fait toutefois partie de la vie, et je crois qu\u2019en prendre conscience et qu\u2019agir en cons\u00e9quence, en discuter et veiller \u00e0 une planification appropri\u00e9e sont quelques-uns des meilleurs moyens de jouir de la tranquillit\u00e9 d\u2019esprit de savoir que, quoi qu\u2019il advienne, vos volont\u00e9s seront respect\u00e9es et que vous et votre famille serez bien outill\u00e9s pour relever les d\u00e9fis et passer plus de temps \u00e0 vous concentrer sur ce qui compte vraiment.&nbsp; &nbsp;&nbsp;<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vieillir est in\u00e9vitable. Les familles doivent en parler et planifier cette \u00e9tape de la vie afin d\u2019avoir l\u2019esprit tranquille.<\/p>\n","protected":false},"author":15,"featured_media":30712,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[515],"tags":[291,292,242],"rbcwm_content_owner":[],"rbcwm_need":[546,547],"rbcwm_segment":[538],"rbcwm_solution":[550,554],"rbcwm_topic":[551],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-1756","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-services-aux-aines","tag-alzheimers","tag-alzheimers-awareness-month","tag-financial-planning","rbcwm_need-croissance","rbcwm_need-preservation","rbcwm_segment-particuliers-et-familles","rbcwm_solution-planification-de-patrimoine","rbcwm_solution-successions-et-fiducies","rbcwm_topic-votre-patrimoine"],"acf":{"rbcwm_subtitle":"Vieillir est in\u00e9vitable. 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