How Limited Guardianship for Adults Works

When an adult is unable to make all decisions independently, whether due to physical or mental incapacity, limited guardianship may be beneficial. Limited guardianship for adults is a legal arrangement that grants a guardian authority to make specific decisions on behalf of an individual. Meanwhile, this individual, also known as the ward, retains some independence. Unlike full guardianship, limited guardianship is tailored to the unique needs of the ward and can help individuals who only need support in certain areas.

Limited guardianship may or may not include authority over a ward's finances. If you agree to handle an individual's finances as part of a limited guardianship, don't hesitate to find a financial advisor who can help.

What Limited Guardianship Means for Adults

Limited guardianship for adults protects individuals who are unable to fully manage their personal or financial affairs due to physical or mental limitations. While full guardianship grants a guardian complete authority over the ward’s decisions, a limited guardianship arrangement is based on the ward's unique needs. It gives the guardian authority over only the specific areas where the ward needs support, protecting the ward's independence and respecting their autonomy.

Limited guardianship may be the right solution for an adult who can't make certain decisions independently but is capable of handling others. For example, an individual with developmental disabilities might need help managing finances but can make personal care decisions on their own. In these cases, a court evaluates the individual’s capabilities and determines the specific responsibilities to be assigned to the guardian. The goal is to empower the ward to remain as self-reliant as possible while providing them with necessary support.

Limited Guardianship Process

Appointing a limited guardian begins with a court petition, usually filed by a concerned family member, friend or social service agency. The court assesses the individual’s needs, often reviewing medical evaluations or psychological assessments to understand the level of support needed. If the court deems a limited guardianship a fit solution, it will specify the duties and powers of the guardian in a legal document, outlining the areas where the guardian can intervene.

Once appointed, the guardian is legally obligated to act in the ward's best interests, managing only the areas specified by the court. The guardian’s responsibilities might include managing financial transactions, making healthcare decisions or overseeing living arrangements. Meanwhile, the ward retains control over all other decisions. The regular court reviews to ensure the guardianship continues to support the ward and adjust the agreement as needed.

Reasons an Adult Might Need a Limited Guardianship

Limited guardianship can be a solution for adults who face challenges in managing specific aspects of their lives due to physical or mental limitations. There are many reasons an adult may need this type of support, including the following:

• Cognitive impairments: Adults with cognitive impairments such as dementia or Alzheimer’s disease may struggle with decision-making and financial management but can still handle daily tasks. A limited guardianship can provide a guardian to oversee complex decisions while allowing the individual to maintain independence in other areas.
• Mental health issues: Severe mental health conditions, like schizophrenia or bipolar disorder, can impair judgment and decision-making. A limited guardianship can help manage treatment plans and financial matters while the individual continues to handle personal choices when stable.
• Developmental disabilities: Adults with developmental disabilities may require assistance in managing finances or navigating legal matters. A guardian can step in to handle these specific tasks, allowing the individual to maintain control over personal and social aspects of their life.
• Physical disabilities: Some adults with significant physical disabilities may need help managing specific aspects of their lives, such as healthcare decisions or financial matters, especially if these disabilities limit their ability to communicate effectively or perform certain tasks.
• Substance abuse problems: Adults struggling with addiction might benefit from a limited guardianship that helps manage financial resources and healthcare decisions during recovery. This arrangement supports the individual in making healthier choices without taking away their autonomy entirely.
• Traumatic brain injuries: Individuals with traumatic brain injuries may experience difficulties in certain cognitive functions. Limited guardianship can provide the necessary support in areas where the injury has affected their capabilities while allowing them to function independently in other aspects of their life.

Families and caregivers involved in limited guardianship can benefit from understanding the specific reasons for this arrangement. Doing so can help guide them in making informed decisions that best support their loved ones.

Tips for Getting a Guardianship for an Adult Child

Setting up a guardianship for an adult child with disabilities can be a complex and emotional process. It involves careful planning and understanding of legal procedures. Guardianship grants a caregiver the authority to make decisions on behalf of their adult child to ensure their safety and well-being. Here are some tips to guide you through this important process.

• Understand the types of guardianship: There are several different types of guardianship, such as full , limited, and co-guardianship. Understanding these options can help you choose the best arrangement for your child's needs.
• Consult with legal experts: Hire an attorney who specializes in guardianship cases. They can help navigate the legal requirements, prepare the necessary documentation, and represent your interests in court.
• Gather comprehensive documentation: Courts require extensive documentation to approve guardianship, including medical records, psychological evaluations and evidence of the individual's incapacity to make decisions independently. Collect and organize these documents ahead of time to streamline the process and strengthen your case.
• Prepare for Court Hearings: The guardianship process typically involves one or more court hearings where a judge evaluates the need for guardianship. Prepare for these meetings so you can present clear, concise information about your child's condition and why guardianship is necessary.
• Consider the long-term implications: Guardianship is a big responsibility that impacts both the guardian and the ward. Consider the long-term implications and make sure you have a support system in place to help you fulfill your guardianship duties.
• Explore alternatives to guardianship: In some cases, an alternative to guardianship, such as a power of attorney or a supported decision-making agreement, might be a better solution. Explore these alternatives if you're considering an arrangement that provides more autonomy for the individual.
• Stay informed and involved: Laws and regulations regarding guardianship can change, so it's important to stay informed about any updates. Continuing education on guardianship issues and participating in support groups can provide ongoing assistance and advocacy for your adult child.

By understanding legal processes, preparing thoroughly and considering all options, you can make sure your child receives the care and support they need to thrive as an adult. Talking to a qualified financial advisor can also provide guidance in managing the financial aspects of guardianship, ensuring a stable and supportive future for your child.

Bottom Line

Limited guardianship for adults can provide essential support while preserving an individual’s independence. By tailoring the guardian’s responsibilities to specific needs, this arrangement helps adults with physical or mental limitations get the support they need without unnecessarily restricting their independence. Understanding how limited guardianship works and consulting with legal and financial advisors can help families make the best decisions for their loved ones.

Tips for Estate Planning

• Creating a long-term estate plan is important to protect your loved ones and your financial assets. A financial advisor can help you think through these complex problems with the expertise to protect your finances. Finding a financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three vetted financial advisors who serve your area, and you can have a free introductory call with your advisor matches to decide which one you feel is right for you. If you're ready to find an advisor who can help you achieve your financial goals, get started now.
• Before starting on your own estate plan, consider the potential dangers of DIY estate planning .

Photo credit: ©iStock.com/eyecrave productions, ©iStock.com/AleksandarGeorgiev, ©iStock.com/FredFroese

The post How Limited Guardianship for Adults Works appeared first on SmartReads by SmartAsset .