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I am joint account holder with my father in order to monitor his account so that I can make sure he is paying his necessary bills each month. He is 86 but is currently able to make his own decisions so I only monitor at this point.

One of my siblings is an authorized user on my dad's credit card and runs up big bills every month. The sibling initiates the cc payment each month via pay by phone even though the sibling has no legal rights to the bank account from which the cc account is paid.

A recent health scare with my dad brought up this question in my mind. As a joint account holder, can I stop these pay by phone payments if dad becomes incapacitated ?

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If your dad has enough money (7 figures) to afford several years of Nursing Home care without worrying about utilizing Medicaid, then he can allow this to continue.

Medicaid will review 5 years of CC and bank statements. Any monies that were gifted to others will result in a disqualification penalty, meaning someone will need to care for him at home.

Make sure he understands that, and that your sister realizes that she will be the one doing the work.
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You point out that you father can make his own decisions. Talk to him about the situation. Not in an accusatory manner, but out of love and curiosity. Ask him if he realizes what your sib is doing and what his take on it is. If he is okay with it, then proceed as normal. If he is not okay with it, talk with him about how he would like proceed. Does he have a POA for his finances? If he can make his own decisions, not is the time for his wishes to be legally documented. Make sure to have your sibling(s) involved in the conversation about how his money is being spent now if possible. This will help clear up any confusion in the future. It is his money and knowing his thoughts now, in case he ever does become incapable of making decisions, is important for you and your sibs.
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Your dad needs to see an eldercare attorney pronto to clear up this mess.
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