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you might have the wrong type of power of attorney document my name is philip bruce im an estate planning attorney here in minnesota and a power of attorney when i talk about this is not about health care im talking about a financial power of attorney document and for our purposes im talking about using this type of thing if you are incapacitated so if youre not able to make your own financial decisions who has the ability to make financial decisions for you who can pay the bills who can talk to the county about your property taxes who can talk to the mortgage company your financial advisor your property casualty insurance company etc and this all comes from a power of attorney there are two types the first one is called a common law power of attorney and a common law power of attorney is a power of attorney document where you write whatever you want or your lawyer writes whatever you want and then at incapacity we hope the bank accepts it and they dont have to accept it it is an