What Is a Power of Attorney

A Power of Attorney (POA) is a legal document that grants someone else — called an agent or attorney-in-fact — the authority to act on your behalf.This authority can cover financial, legal, or even health-related matters, depending on the type of POA.In many cases, a durable power of attorney continues to work even if you become incapacitated.

Why You Need One

Life is unpredictable: accidents or illness can render you unable to make decisions. With a POA in place, someone you trust can legally manage your affairs.
Without a POA, your family may have to apply for a court‑appointed guardian, which can be costly and stressful.
It also helps in seamless decision-making for important matters — be it finances, business, or health — when you’re unavailable.

Types of Power of Attorney

  • General POA: gives broad authority for financial and legal tasks.

  • Limited or Special POA: only for specific tasks or time periods.

  • Durable POA: remains valid even if you become mentally or physically incapacitated.

  • Healthcare / Medical POA: appoints someone to make medical decisions in case you are not able to.

  • Springing POA: becomes effective only after a specific event, often incapacitation.