Do You Need an Enduring Power of Attorney and What Are They All About?
The brand new Enduring Power of Attorney Forms have just come out from the Ministry of Social Development. Now’s a good time to think about who you would like making decisions for you if you can’t.
Enduring powers of attorney (EPAs) ensure you have the right person looking after your affairs while you are in the land of the living, but not able to make decisions for yourself. EPAs are something that will make it easier for your loved ones to help you if you are incapacitated by illness, an accident and are no longer ‘mentally capable’ of making important decisions for yourself.
Without an EPA put in place while everything is ok, your family would have to go to Court to get the power to make sure your bills get paid, and to make important care decisions for you.
EPAs are a simple document to put in place. Some of the benefits include:
• getting to choose someone you trust and having the chance to talk to them about it now;
• you can provide for them to consult with others before making decisions, or provide someone else with information about the things they do;
• you can have one person who makes decisions for your personal care and welfare, and one or more others who deal with your property.
New, easy to follow EPA forms have just come out, and the Ministry of Social Development’s snazzy looking website Super Seniors has lots more information about EPAs, advice, and the forms themselves. The link is superseniors.msd.govt.nz...
EPAs can be revoked at any time by giving your attorney (the person you appoint) notice, and if you have a temporary period where you are incapacitated, you can take back the reins. Your property EPA can come into force before you are mentally incapable if you want it to e.g. if you would rather not have to worry about paying bills and you have a son or daughter who would happily take care of that for you.
There are other safeguards too in that your attorney’s overriding concern must be the promotion and protection of your welfare and best interests. They must try and encourage you to make your own decisions to the extent you are able and seek your advice where possible.
There are limits to what your attorney can do under an EPA – such as refuse consent to standard medical treatment or a procedure intended to save your life, adopt out your children (whew), or make a decision about your marrying or getting a divorce. If you would like to make decisions now about future medical treatment, say if you are in a serious accident, you can look at doing an Advance Directive, which is a non-binding expression of your wishes that may help your family and doctors making difficult decisions about your care. You can find an example of Advance Directives on the New Zealand Medical Council website.
EPAs have to be signed in front of a lawyer, a suitably qualified legal executive, or an authorised officer of a trustee corporation and that witness needs to give you advice on the effect and implications of the document you are signing.
It’s all pretty straightforward though, and you can even download the forms and advice first so you know exactly what you would like to do before you go and see your lawyer.
Henderson Reeves offers a special package for EPAs (one property and one personal care and welfare for one person $450, or $700 for two people, both plus GST and any disbursements). We also offer great discounts if you are doing EPAs and wills together, and a 10% discount for Super Gold Card members.
Taina Henderson and Shelley Funnell are your local, friendly and entirely mobile lawyers with the backing of a full service law firm of over 30 years standing. We’d love to hear from you.
You can contact us on 09 281 3723, or Taina on 027 537 9222 and Shelley on 027 537 9221.
Cost of living: How to get $110 off your electricity bill through Power Credits Scheme
Some Kiwis can expect their power bill to rise this month for the third year in a row as the low-user charge is phased out – but there's a payment available for people who are struggling.
It's the third year in a row that low-power users are facing increasing fixed costs as the low-power users scheme is phased out.
To help the industry set up the $5 million Power Credits Scheme which means eligible households can access credit during the transition.
The phase out which began in 2022 will see fixed costs for low users rise every april for five years.
The scheme means households who are supplied by Contact, Meridian, Mercury, Genesis, Nova, Wise, Globug, Powershop, Frank or Toast Electric can access a $110 payment if they’re in hardship. So far $1.4 million has been paid out.
The scheme is run by the Electricity Retailers’ Association of New Zealand. Chief executive Bridget Abernethy told Consumer NZ households showing signs of energy hardship can get the payment. But Abernethy said each power company will have its own criteria for what energy hardship looks like.
The Ministry of Business, Innovation and Employment (MBIE) said removing the "low Fixed Charge Tariff regulations is essential for creating a fairer playing field for all New Zealand households".
However, the MBIE website acknowledged the phase-out could be challenging for some households.
"While all households are expected to benefit in the long term from the regulations being removed, some households may face higher power bills," the website said.
The credit can help households adjust, it added.
The decision to remove the low user charge was made by the then Labour Government in 2021 who called it "poorly targeted".
Then Energy Minister Megan Woods said it would mean three in five households could benefit from lower power bills.
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Lost cat - Mt Eden
Still missing my girl 😔
Evie is a 14 year old grey tortie - quite pretty colouring (mainly grey with caramel) with some cream on her chest. No white on her at all. She has been missing since 16 November, 2023.
Please take a screenshot of this post so you have photos and my number handy in case you see her.
She likes people but might not let you pick her up so please take a video or photo if you see her and call me asap on 021 072 0933 (Anna).
She’s quite lean and small to medium size. When she’s happy she ‘talks’ ❤️ De-sexed and microchipped.
Last seen in Mont Le Grand Rd, Mt Eden. Please check your garage, shed, garden and under deck and house.
Apparently cats who are hiding don’t meow so please look carefully even if you don’t hear her. Thank you so much 🙏
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