Power of Attorney
A Continuing or Welfare Power of Attorney appoints one or more trusted individuals to act on your behalf in relation to financial matters or issues affecting your personal welfare and, importantly, will remain valid even if you can no longer manage your own affairs. Ideally, you should grant a Power of Attorney when you are in good health and before there is any question of incapacity. At a time when people are living longer, a Power of Attorney can be invaluable when help becomes required - perhaps as a result of an accident, a stroke, or the onset of dementia. While family members will often try to assist, most banks, pension companies and other agencies will insist on formal authority. If no Power of Attorney is in place then the only option may be to apply to the court for a guardianship order which is very costly, time consuming and can be stressful for all concerned.
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