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My mom also has beginning dementia and is no longer capable of managing finances. We need to get POA for both of them but don't know how to go about it with existing guardianship. We aren't even able to talk to their insurance companies because they don't accept guardianship. Appreciate any help

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Go to their bank and take care of it. Get yourself on the account too, not just POA because once they die, you have no more financial power. So you must be ON the account with them.
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