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My mom is now incompetent.

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You will likely get other responses, but, I recall doing research regarding my LO's SS funds and the SS website seems to say that you are supposed to be appointed the Representative Payee to handle those funds, even if you are the Durable Power of Attorney. I don't see how having Medical POA would provide you the authority to handle any funds that may be in her bank.

In order to be the Representative Payee, you apply to the SS office. The long term care facility can also be appointed if that would be easier.

This is my understanding on the matter. I would consult with an Elder Law attorney before making any move regarding monetary funds of another.
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