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My Mom gave me durable POA and Medical POA approximately 20 years ago. I am an only child so no other siblings to cause issues. She is 99 and mind is still sharp - she handles her own bills (but I check to be sure all is in order) and her health is good for 99. My question is will these 20 yr old documents still be accepted if her health/mind start to fail?

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If they were properly completed/executed (and you have an original copy) they should still be legal. Ones I have helped my mother create needed to be signed in the presence of a notary with 2 non-family witnesses. The assigner and assignee both get an original copy. We don't have it filed with any attorney since it's not necessary -- I'm same as you, an only and my mom is single and 91 and still of sound mind and body. If you have any reason to believe that their legal validity is in question, please consult an elder law attorney and ask about it. Are you both still living in the same state in which the PoA docs were created? If not this may also be a good question to ask. Some laws governing PoA vary from state to state.
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If your name is not already on all her bank accounts, you might want to ask your mom to add you to the accounts or you could take the POA to the banks to be sure they will accept it. It happens occasionally that a poster will say their parents bank wouldn’t accept the POA.
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Yes, if done properly, they will be honored. Make sure that any finacial institutions like banks, investment co all have a copy along with her doctors. Always have a copy with you for hospital or urgent care visits. Certain institutions may want you to fill out their own forms.
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