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If your wifes SS goes into the same account, I see no need to become her payee. I was able to write checks on my Moms account and never filed for payee.

POA is a great tool. But your wife needs to be competent to assign you.
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AlvaDeer Jun 2024
Says it all. But our OP needs to know that his POA documents cannot be enforced unless and until wife is declared incompetent LEGALLY (quite a high standard).
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Roger, it is always a good idea to have these documents and a HIPAA release that never expires and is valid in any jurisdiction it is presented. It helps you advocate for your loved one.
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If she is still competent enough to sign the papers with a lawyer on a good day, you should probably get the financial and medical POA done and ask what else you can do to prepare.

As a spouse, you are more likely to have joint accounts where either person can sign. Maybe your car titles are set up similarly. So maybe it will work out OK without the POA for a while.

However, there will still be situations where the POA could be needed. IRAs are always individual accounts. Home sale or refinance requires both signatures. Maybe there is a pension. Eventually there may be a bill you’d rather not sign for and be personally responsible for, like skilled nursing care.
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