Assigning Power of Attorney (PoA) With Confidence

Incapacity planning, ensuring that there’s a strategy in place if you ever become incapable of managing your affairs, is important.

We all know that. Yet, it’s uncomfortable to think about and therefore easy to put off doing.

A key part of incapacity planning is assigning power of attorney (a legal document giving someone else the right to act on your behalf), but it’s also the biggest hurdle. Giving extra thought to who you choose, and what powers they’ll be granted, can give you the peace of mind to complete your plan with confidence.

Choosing your lawyer

Choosing someone you trust to assign power of attorney is essential. Acting as your attorney involves significant duties and obligations. Your attorney’s overarching duty is to act with honesty, integrity and in good faith for your benefit if you become incapable.

The law lays out specific obligations for the person chosen to hold your power of attorney. Among other things, they will:

  • explain their powers and duties to the incapable person
  • encourage the incapable person, to the best of their abilities, to participate in decisions concerning their property
  • foster regular personal contact between the incapable person and supportive family members and friends, and
  • keep account of all transactions involving the grantor’s property.

The attorney or attorneys you choose to act on your behalf should know these rules, and be aware of other rules set out in the act as well.

For instance, they’re expected to ensure you have a will and, if so, know its provisions. The main reason for this is that your attorney must not sell or transfer property that’s subject to a specific gift in the will, unless necessary.

The act also contains explicit instructions regarding both required and optional expenditures. Examples of the latter include charitable gifts where an incapable person made similar expenditures when capable and so long as sufficient assets are available. Your attorney should also be familiar with rules covering how or when he or she can resign, what compensation they may be entitled to and the standard of care expected of them.

Safeguarding your estate

You can also build a second opinion directly into your power of attorney documents by appointing more than one person. If you name two or more people, they’ll need to act unanimously unless the document states otherwise.

A joint appointment provides a level of protection in that any appointed attorneys must agree on all actions, while a “joint and several” appointment grants flexibility, allowing any one attorney to conduct business independently.

Many people choose to appoint the same people or trust companies to be both their power of attorneys and their executors. Although you don’t need to do so, the same list of key traits – expertise, availability, accountability and trustworthiness – apply to both roles.

It’s also possible to limit the powers granted to your attorney. If you’d like your attorney to act only for a specified time period (maybe a vacation or hospital stay) or in respect of a specific transaction (the closing of a real estate deal), a limited or specific power of attorney is worth considering.

In the case of a general continuing power of attorney, many people want the document to be used only if and when they become incapable of managing their affairs themselves.

Although the document is effective when signed, it is possible to include provisions in the document itself that defers it to a future date or the occurrence of a specified condition (for example, the grantor has a stroke). These are sometimes referred to as “springing” powers of attorney.

Whichever way you prepare your power of attorney documents, careful consideration of who you choose as well as availing yourself of available safeguards will help ensure your confidence in your incapacity plan.

Common Mistakes to Avoid

  1. Making a quick decision: Many people name their PoAs without thinking about their choice’s financial capability, much less their ability to get along with other family members.
  2. Assuming family is always the best choice: It’s far more important to choose someone who truly has your client’s best interests at heart.
  3. Waiting too long: If there’s already a question of diminishing capacity, it’s likely too late to make a power of attorney ironclad.
  4. Not reviewing it: Changing life circumstances and new provincial legislation can make an old PoA invalid.

Plan for Incapacity

Your estate plan doesn’t end with an up-to-date will. It should also anticipate possible future incapacity, which usually means preparing powers of attorney for both property and personal care.

Power of attorney, a legal document that gives someone else the right to act on your behalf, has two main types: one for management of property, another for personal care.

Will and estate planners generally advise preparing both types of powers of attorney. While they are often prepared at the same time as your will, they can be created at any time.

Personal care

With a power of attorney for personal care, you can authorize someone to make decisions concerning your personal care in the event that you become incapable of making them yourself.

You can give power of attorney for personal care if you’re at least 16 years old, have “the ability to understand whether the proposed attorney has a genuine concern” for your welfare, and can appreciate that the attorney may need to make decisions.

Personal care includes decisions concerning health care, nutrition, shelter, clothing, hygiene and safety.

Property

A continuing power of attorney for property authorizes someone to do anything regarding your property that you could do if capable, except make a will.

The law says you’re capable of giving a power of attorney for property if you’re at least 18 years of age, know what kind of property you have, along with its rough value, and are aware of any obligations owed to your dependants.

The term “continuing” (sometimes called “enduring”) refers to a power of attorney that may be exercised during the grantor’s subsequent incapacity to manage property. Ensure the document stipulates that you want the power of attorney to be used only if you become incapable.

What you need to know

A continuing power of attorney for property is a powerful document. Unless otherwise stated in the document, it’s effective when signed, granting considerable power.

In fact, the act explicitly requires you to acknowledge this authority can be misused. And, as part of the capacity test for granting a continuing power of attorney, you must also acknowledge the property you own may decline in value if not properly managed.

A financial institution, land titles office or other third party presented with a continuing power of attorney for property with the restriction “effective only in the event of the grantor’s incapacity” will want evidence of the incapacity.

That evidence could be hard to get. One solution is to set out terms of use in a separate document and have all original copies of the power of attorney held by a trusted third party. You could, for example, direct that document be released only if:

  • You tell the attorney you want him or her to start acting;
  • You are legally declared incapable of managing your property;
  • One or more doctors advise that you’d benefit from assistance in managing your affairs; or
  • Certain family members advise the attorney should begin acting.

No direction could be costly

If you fail to prepare power of attorney documents, it may take an application to court before someone can be appointed to make decisions for you. That can leave you scrambling when you’re in no physical shape do so. Having a will doesn’t help because an executor is only authorized to act after you die.

On top of that, court processes can be both costly and time-consuming. Depending on the circumstances, the Public Guardian and Trustee may have to get involved.

You also lose the opportunity to appoint people or companies of your choosing and aren’t able to establish parameters regarding the actions of your substitute decision makers.

Using Lawyers Effectively: 5 Good Legal Habits of Successful Businesses

Do you see your lawyer as a key member of your strategic business team?

Do you feel that you can sound them out about commercial and strategic issues, without fear of the cost?

Or, is your lawyer the last person that you call when a problem has got so bad that there is no alternative?

Successful businesses are well supported by specialists in all the management disciplines, such as production, operations, strategy, HR and finance as each specialist has expertise in generating growth or reducing risk.

Sadly, legal advice is not always taken in advance of strategic decisions in the same way that most businesses would consult with their accountant or HR manager. Consequently, problems can arise down the line, for example when a contract does not protect you in the way that you envisaged.

Successful businesses make the most of their legal adviser and typically display the following 5 good habits:

1. Choose a legal adviser that understands your business

When selecting a new legal adviser, consider how interested they are in the businesses and whether they understand the issues that your business faces. For example, a bio-tech business will need to ensure that their adviser is familiar with regulatory and intellectual property law relating to their sector.

Do they ask about your personal and business objectives? This is particularly important if you are thinking of an exit strategy in the future.

2. Include your lawyer as part of your strategic business team

Whilst lawyers can advise you on your regulatory obligations and compliance, a good commercial lawyer will advise you on the commercial implications of strategic decisions. Keep your lawyer in the loop. Keep them apprised of your business strategies so they can identify legal risks at an early stage of your strategy and give you proactive solutions.

A lawyer who understands your business can provide you with innovative business structures that help your business grow and protect your market position, as well as identifying risks.

3. Provide a clear brief and feedback

Provide clear instructions, agree budgets and provide any information promptly. Consistent communications are vital especially where there are critical deadlines. Provide feedback to your lawyer, especially if you feel that you are not getting the level of service that you require.

4. Invest in proper legal documentation processes

A successful business will have efficient systems for purchasing, quality control, accounts, and HR. Yet few businesses have efficient legal systems and this often causes problems as a deadline for contract renewal can be missed or it can cause unnecessary delays when preparing a business for sale. Without proper documentation, evidence can be difficult to find when disputes arise and oral evidence is only allowed in limited circumstances so the written word remains paramount.

5. Budget for legal advice

Budgeting for legal advice is no different than budgeting for accounting or HR costs. You may also be able to insure against certain legal costs.

Had A Car Accident – Do You Need A Car Accident Lawyer?

A car accident isn’t just a physical trauma – it can be a huge financial and legal burden as well, especially if you don’t have knowledgeable legal help in your time of need. Whether the car accident was your fault or not, it’s a good idea to get in touch with someone who can help you through the difficult and often confusing time that follows an auto accident.

So, what is a car accident lawyer?

A car accident lawyer is an attorney that helps to level the legal playing field after a car accident by informing you of your rights and responsibilities, and providing information on personal injury law and accident claims. Some circumstances surrounding a car accident require that a lawyer be involved, simply because of the complexity of dealing with the issue.

For instance, if you or anyone in your car was injured in the car accident, particularly if there is a permanent injury or an injury that results in lost income from work or lost time at school, a lawyer can help to recover some of these damages by filing a claim against the party responsible for the injuries.

The help of a lawyer should also be sought after a car accident if:

oThe car accident has resulted in an injury, particularly a serious injury such as broken bones or any other injury that will require hospitalization.

oThere has been a death resulting from the car accident.

oThe official police report appears to not accurately represent the car accident and its circumstances – particularly if the report puts you at fault.

oThe car accident occurred in a construction area.

oThe car accident involved bystanders or pedestrians.

oYour liability insurance will not cover the entirety of the damages.

oYou have no insurance.

oYour insurance company brings it their own lawyer. If this happens, immediate legal help should be found. It’s an emergency.

But an injury isn’t the only reason to contact a lawyer after a car accident. While a car accident such as a fender bender that doesn’t result in much damage probably doesn’t require a lawyer, a more complicated accident with more damage may require the help of a lawyer to navigate the murky waters of insurance claims, police reports, and liability.

In order to help your case, it is important that you not wait to seek the help of a lawyer and file a claim. Waiting too long to begin legal action might keep you from receiving the compensation that you deserve. Statutes of Limitation vary from state to state, and can limit the amount of money that you can recover, or eliminate it completely, whether you have the help of a lawyer or not.

Be prepared when you meet with a lawyer. Take any necessary documents, insurance information – both your own and that of the other party. Take the names of any witnesses there may have been, any photographic evidence taken at the scene, and a copy of the official police report. Any information can help your lawyer to help you, so be sure to prepare your documents before meeting with your lawyer for the first time.

This can be a profoundly difficult time for you and your family. With lost income and physical pain, there is no need to compound the suffering of you or your loved ones by having to go through a trying time alone. It’s important to know when to ask for help, and particularly when to seek the help of a trained professional, such as a car accident lawyer. Look for help from a trusted source.

When you find yourself in need, call or visit http://www.1800askgary.com for the kind of support that you need and deserve.

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