They cannot sign things anymore

When more than one person is appointed to act — as attorney under a power of attorney, or as executor of a will — one small piece of wording decides whether you can function, and most families never knew there was a choice to make. Two people can be appointed "jointly," meaning they must agree and sign together on everything, or "jointly and severally," meaning either can act alone.

The bank, Centrelink and My Aged Care each have a separate wall between holding authority and being allowed to use it. How to get recognised at each — and the tribunal path when capacity is already gone and no document was ever made.