A durable power of attorney can be drafted so it becomes effective as soon as you sign it. Alternately, you can specify that it will not become effective unless a doctor certifies that you have become incapacitated. This is called a "springing" power of attorney. It lets you keep control of your affairs until you are no longer capable of doing so.
A LegalZoom Durable Power of Attorney includes a "springing" option.
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