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What can you do when a money manager won't accept an essential estate planning document? Kristen McDermott of Fryeburg, Maine, needed an answer. McDermott, 58, a professional gardener,

told me she had power of attorney (POA) for her mother, Leslie Kremer, 85, who has dementia. Kremer’s bank and former employer honored that POA, which Kremer granted 14 years ago giving

McDermott legal authority to manage her mother’s finances. But two financial companies — Vanguard and USAA — wouldn’t let McDermott act for her mother. She had called, supplied documents,

called again — and gotten nowhere. “I am at my wit’s end,” she wrote. TYPES OF POWER OF ATTORNEY DOCUMENTS McDermott’s email shook me. I have power of attorney for my mother, and as in

McDermott’s situation, a capable attorney created it. To have a POA not honored in a crisis would be awful. First, let’s clarify: Powers of attorney aren’t all the same: * A GENERAL POA

allows a designated person to handle all financial matters on your behalf. * A SPECIAL OR LIMITED POA is for a specific purpose, such as having someone sign for you at a real estate closing.

* A DURABLE POA is in force at all times. * A NON­DURABLE POA ends if you become incapacitated or disabled. * A SO-CALLED SPRINGING POA goes into effect only if you become incapacitated.

McDermott had a durable POA, so she thought she was set. INSTITUTIONS MAY HAVE ADDITIONAL REQUIREMENTS Vanguard thought otherwise. “We have our own, very specific POA paperwork,” says Lauren

Wybar, a senior financial planner at Vanguard. How often are customers surprised to hear they need Vanguard’s special forms? “All the time,” Wybar says. Vanguard’s version of a POA is

called the Vanguard Agent Authorization form, which the company says was designed to be valid in the face of state-by-state variations in POA laws. Presumably, if Kremer had found it among

the various forms on Vanguard’s site, filled it out and submitted it prior to the onset of her dementia, McDermott would now be able to access her mother’s account. But — the exact reasons

why are still unclear to me — Vanguard made McDermott send in not only a clearer copy of the POA she’d previously submitted but also a new set of documents: the company’s Agent Certification

for Incapacitated Person form and a letter from Kremer’s doctor attesting to her condition. The problem was different at USAA, which works only with military families. Although USAA would

accept McDermott’s POA, it wouldn’t discuss her mother with her because McDermott wasn’t a USAA member. A free membership solved that.