Estate Law Questions? Ask an Estate Lawyer.
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If mother is mentally incompetent, then she couldn't legally grant a power of attorney. So you would have to file for a formal guardianship over her in the local probate court where she lives to have a judge formally appoint you are her legal guardian. Once that occurs, you are in complete control over her finances and her care. But her will wouldn't have anything to do with how she is to be cared for while she is living. A will only becomes binding when the testator passes.
But as the guardian, you would have the legal authority to access all her assets and determine what they have so as to be able to use it on their care.
If you don't want to file the guardianship petition yourself, you would need to contact a local family law or elder law attorney to assist with the process.