A will does nothing until you're dead. That isn't a technicality, it's the whole design. If you're in a hospital bed after a stroke and someone needs to sign for your care or pay your mortgage, the will sits in the drawer doing exactly nothing.
Two other documents cover that stretch. A financial power of attorney names someone to handle money on your behalf: bank accounts, bills, insurance, the house. An advance directive, which is where Oregon has you appoint a health care representative, names someone to make medical decisions and lets you write down what you want done if you can't say it yourself.
Most powers of attorney are written as durable, which means the authority survives your becoming incapacitated. A non-durable one ends right when you'd need it. There's also a springing version that only takes effect once a doctor certifies you can't manage your own affairs, which sounds tidy and in practice makes your agent chase a physician's letter before the bank will talk to them.
Banks are the friction point. A valid power of attorney is a legal document, and a teller is still going to send it to a legal department that may take a week and may prefer their own form. Call each institution while you're healthy and ask what they accept. Some will let you add your agent to the account records ahead of time, and that one phone call saves your family a month.
Oregon's advance directive form was rewritten a few years back, and the current version walks you through specific situations: permanently unconscious, advanced dementia, close to death. You initial what you want in each. It's uncomfortable to fill out and it's the reason your family isn't guessing in a hallway at 2 a.m.
Without either document, the path is a court. Someone petitions to be your conservator or guardian, a judge decides, and it costs money and takes weeks. Courts do get it right most of the time. They also pick from whoever shows up, and the person who shows up isn't always the person you'd have chosen.
Give copies to the people you named, and give the advance directive to your doctor's office so it lands in the chart. A document nobody can find on the night it matters may as well not exist. Oregon runs a state registry you can file it with, and your primary care clinic can usually scan it in while you wait.
This is legal paperwork, so an estate attorney is the right person to draft it. I'm an insurance broker, not an attorney. What I can tell you is which of my clients' families had a hard year and which didn't, and this paperwork is most of the difference.