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POAs: While good to have, it is a very very small first step. Until the person is ruled by a court to be mentally incompetent, the person can withdrawal the POA if they get mad that you "stuck their nose into their business". Most financial institutions don't recognize them, even when trying to close fraudulent accounts or explore their LTC policy coverage. Even though I have healthcare POA, his PCP won't discuss his case with me due to HIPPA rules.
I'm spilling all of this to wake people up who think a financial and healthcare POA gives you the authority to do anything. If you had first hand experience of a medical professional or DMV or POAs helping with things, great for you. My experience is nothing can happen including taking his car keys, until I take Dad to court to get him declared incompetent and just hope he doesn't have one of his good days in front of the judge.
By all means, get the POAs in place as a starting point. But don't for a minute think you are done. A line in the trust about taking control when incompetent "as determined by letter from my Dr" is not any help if the Dr won't talk to the POA and requires multiple failed MMSEs. If you are not going to trust your trustee to make the "when its time" decision, you need a different trustee.
From my personal experience, I can tell you I have a totally different result. I took my dad to the neurologist. He gave a 5 minute 'interview' with dad and gave us a diagnosis that his is in early stages of Alzheimers. Now, no one can diagnose for certain Alzheimers without examining the brain and that can't happen unless the person is dead. It's a judgement based on an observation. None the less, he was diagnosed with my and my brother encouraging the doc that we could help our dad more with than without this.
I have POA for both financial and medical on Dad. The abstracts are in his medical files. HIPAA laws, being what they are, would never allow me access to Dad's medical records or call the shots we do for him with his doctors if the POA and diagnosis didn't permit it.
At no time have we ever had to go to court to get the right to make any of Dad's medical decisions for him. In fact, I have consulted a lawyer for elder rights and she told me specifically not to as I would have to then make a financial accounting for every single penny of Dad's income and submit to even more personal information of my own to the court appointed advocate for my dad.
I think she called it a conservatorship, but I can't swear to that.
I can't say if this varies from state to state, but I'm in California if that matters.
What ever I have, and it's not court or otherwise legally confirmed, my dad's doctors and his banks do not challenge it in any way. When we visit the doctors, they address me, not my dad. I then talk to my dad, relaying the info from the doc, then back again. Like an interpreter after a fashion.
I have all his banking now in a joint account. I handle all his Social Security, pension and VA checks into and out of this joint account. I signed the contract for his residency to the retirement center he lives in. He didn't sign a thing. I only needed to submit a Form 602 (California) from his doctor.
All said and done, I'd say a diagnosis of dementia is what has allowed me to now completely take control of all my dad's medical and financial decisions.
Regarding driving license; in California you can indeed take away anyone's license simply by reporting an individual to the DMV that the person has medical issues and that the DMV better check on it. That's all I did and they sent a very detailed form for him to fill out. There was no way my dad could have done that, it was too detailed for him to understand. The DMV stated that if they don't get it back filled out in 90 days, his license is suspended.
After that, I disabled Dad's car, removing a couple fuses. He couldn't start the car. I told him I'd take it to get it fixed. I then sold it. Again, no problem with my name, not his on the title to sell with the abstract of the POA and the dementia diagnosis.
Dad threatened to go to a car dealer and just buy another. Fine and good luck with that. I'd a let him and I'm sure the poor salesman after the test ride would have found Jesus and would not have sold him a car. Ha!
I'd say you need a new doctor for your loved one. One who will aide you in getting the level of control to help out.
God bless and good luck. I hope my own experience gives you some leads or other help with moving forward on getting the help your are needing to care for your loved one.