A POA must be granted by the person on whose behalf you are acting. So if she's not competent to handle her own affairs, she's not competent to grant anyone a POA either. Why do you need a POA? I have POA for my mother but honestly I've never had to use it. I can do her banking using her online account and password, I can deal with her doctors, make and change appointments, etc. because I go with her and they know me. If there are really issues you need to handle for her formally (such as selling real estate or something) you will need to seek guardianship if she's not able to competent to grant you POA. That's a court procedure - generally the Probate Court I believe. You would probably need her doctors to give an opinion that she's not able to handle her own affairs.
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