Incapacity is the gap most families never plan for

A will does nothing while you are living. If no one holds documented authority during a health event, the family's options narrow quickly.

The practical issue

Banks, insurers, hospitals, and county offices require documented authority. Without a financial power of attorney and a healthcare directive, the family may need a court-appointed guardian or conservator before anyone can act.

What can go wrong

• Accounts and benefits are frozen while bills continue.
• Family members disagree about care with no written instruction to follow.
• A guardianship proceeding adds cost, delay, and public record.

What to consider

• Whether existing powers of attorney are current and accepted by institutions.
• Whether your healthcare agent knows what you would actually want.
• Whether a backup agent is named if the first cannot serve.

How Toure Legal can help

Every Toure Legal family plan includes authority documents designed to be usable when they are needed, not just filed away.