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Two of her Doctors have mentioned guardianship or POA to me, one is a Neurologist (she forgets basic personal info. sometimes).I have been taking care of her full time more than 8 years. I was advised to ask for help from the Government, but I do not want people to think I do it for the money. Which is not much (small pension and SS) hardly for her expenses.

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If the neurologist says she is already incompetent, her signature would be invalid on a POA. That leaves you with Guardianship, which is your best option.
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If you are family and if you care for this woman full-time you should have POA. I don't know what the %^#@* look is or who it would come from but full-time caregivers who are caring for elderly family members should be able to have the POA discussion. It's only logical. If this person trusts you enough with her care designating you POA shouldn't be an issue.
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