A power of attorney lets someone you choose make decisions for you — financial or medical — if you can’t. Without one, your family may need a court to appoint a guardian, which is slow and costly.
A power of attorney (POA) is a document naming someone to act on your behalf. A financial POA handles money and property; a medical (healthcare) POA makes health decisions if you’re incapacitated. A "durable" POA stays in effect even if you become unable to make decisions — which is the whole point. Without one, if you’re incapacitated, your loved ones may have to petition a court for guardianship, an expensive and slow process. A POA puts the choice in your hands, in advance.
A durable POA remains valid if you become incapacitated; a non-durable one ends at incapacity — which defeats the main purpose for most people.
Yes — as long as you’re mentally competent, you can revoke or change a POA in writing at any time.
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