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I have DPOA for my mom who is in the early stages of dimentia. My sister has been talking my mom into writing personal checks to her. The checks are usually in the amount of $300 to $500 per month. This has been going on for about 6 months. Since I have DPOA, how can I protect my mom. Since we bank at the same bank, can I transfer some of the funds into my account?

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rocknhardspot1, I do understand why you want to monitor your mother's spending. The more careful she is now, the longer her money will last. Also, if her money does run out and she needs to apply for Medicaid they examine her finances for the previous five years. Giving $6,000 per year to a relative may incur a penalty. That is one of the reasons you should not take money out of Mother's account and put it in your account -- that would look like a gift to you.

(Note: it is OK for a Medicaid applicant to have been paying a relative for services, at market value. That is why I asked if sister is taking care of Mother. If either of you is paid by her in the future be sure to have a written agreement in place spelling out what is being provided, such as room and board or transportation to appointments, etc.)
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I am caregiver to my aunt who has mid stage dementia....I shop for het, pay all her bills and see she gets what she needs...I do not have poa or dpoa...my name is on her accounts....she is in AL...she is 95.....I reimburse myself thru ATM once or twice a month....I also pay someone to visit with her twice a week because I work a full time job..
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My sister does not help with the caregiving and she tells mom that she doesn't have enough money each month to pay her own bills. I have a hard time believing this because my sister just bought 2 new cars, one for herself and one for her daughter. My mom does have 2 other savings accounts in her name and currently I do manage these accounts, including her checking on line. Can I transfer funds from one account to another account since I am POA? My fear is my mom won't have enough money later if she keeps writing unnecessary checks to my sister.
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I think it would create a real can of worms to deposit mother's money in your account. How about opening a separate new account for mother but without her having a check book or bank card for it? You would use this account to pay her bills. Maintain a small amount in the original account, if she likes to write checks for her hair appointments and other small items. Make sure she understands that there is not enough in the account to write $300 checks. The fees for a bounced check or two might be part of the cost of resolving this problem.

Does your sister do any of the caregiving for Mom? On what basis is she talking Mom into giving her money, do you know?
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