Savvy incompetency planning usually includes the execution of a “power of attorney,” a document that names an agent who can sign checks, pay bills and make other financial decisions on your behalf. Instead of a “regular” power of attorney, you’ll likely prefer “durable” powers. Such documents remain in effect if you become incapacitated. These durable powers of attorney will go into effect only if one or more doctors state that you are incompetent or that you cannot perform some “activities of daily living,” such as being able to get dressed and go to the bathroom.