A “durable power of attorney” is actually a health care power of attorney that contains special durability provisions. If you become mentally incompetent while you have a power of attorney document that’s already in effect, a durability provision will allow the document to stay in effect.
You can sign a durable power of attorney document to prepare for the possibility that you may become mentally incompetent due to illness or an accident. In this case, you would specify that the power of attorney wouldn’t go into effect unless a doctor certifies that you are mentally incapacitated.
It is important to choose someone you trust to be your Agent, as they will be acting on your behalf regarding your financial or health care issues. You should choose someone who won’t abuse the powers you grant to them and will look out for your best interests.