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https://www.nccourts.gov/help-topics/guardianship/guardianship
How advanced is your mother's dementia, though? If she is not as yet too badly affected, it may be possible for her to give you Power of Attorney which is simpler and cheaper but requires her to understand fully what she is doing.
You will need Power of Attorney (medical and financial), HIPAA, and any advanced care directives (DNR, living will, POLST forms) prepared with your mother's consent. If she can no longer consent I think your only option is guardianship.
https://www.agingcare.com/articles/getting-your-affairs-in-order-preparing-for-the-possibility-of-dementia-149572.htm
1. Will
2. Trust - you listed as Trustee
3. Health Care Proxy - you listed as person to consult if your parent cannot make decision on their own behalf
4. MLEST form - some hospitals recognize this more seriously then just a Health Care Proxy form. Ask your doctors about this. At least this is true in New York State. In the Health Care Proxy form and MLEST form, designate here if your parent is DNR or not.
5. As for your mother's bills, it helps a lot if your name is also on the checking and savings account. That helps you easily write checks to pay the bills, etc.
6. Power of Attorney form - very important and kind of the umbrella form you need for the rest of this.
Don't laugh but keep all of these forms together in a binder and carry this binder with you. You never know when you need to whip it out. And also hang up a copy of the Health Care wishes on the fridge.
last resort is guardianship/conservator process but that costs money and takes time. I had POA for my folks and that worked well for most stuff for several years but I had to go the guardianship route about a year ago due to one poop head bank and some real estate issues.
My mom is one that they don’t make a penny off of because she has never, ever had a balance on her card. She rarely uses it and pays in full as soon as bill arrives. She’s always done that.
The bank wouldn’t allow the order to be processed. They detected it as a ‘fraud’ charge. Good in one way, bad in another I suppose, making it inconvenient.
They only sent my card one time. When her card expired, mine was not automatically renewed. I have no idea how that particular process works.