arin klug, a former wills and estates lawyer and co-founder of toronto-based
epilogue wills, which offers wills online, agrees there’s often confusion around the differences between wills, powers of attorney (poa), and advance care plans.
“a will only takes effect when you pass away,” he says. “a poa can only have an effect while somebody is alive but incapable of making decisions for themselves.”
he says while powers of attorney have different names in different provinces, all include two types: one for financial matters, and another for health care matters. a power of attorney appoints someone to make decisions on your behalf. an acp, on the other hand, is primarily about health care, stating your wishes for medical treatment in the event you can’t speak for yourself, and appointing someone who can. and while powers of attorney are legal documents, an advance care plan is not.
“but the legislation in every province says, basically, that if the substitute decision-maker knows what the person’s wishes were, then they have to follow them,” says klug. “the acp is like the accompanying document [to a poa].”
without a plan, the government can appoint someone
gillespie cautions that, in some provinces, if you don’t have proper documentation like an acp, the government can select someone to make those decisions for you on a hierarchal basis, usually starting with a spouse or partner, then moving down through next of kin. and if you have a family member who you might not trust, that can be a problem.