When a person loses the capacity to make decisions for themselves, Ontario's legal framework determines who can step in and how. Understanding this system is essential for both planning purposes and emergency situations.
A person has capacity if they are able to understand information relevant to a decision and appreciate the consequences of a decision or lack of decision. Capacity is decision-specific — a person may have capacity for some decisions but not others.
If a person lacks capacity to make healthcare decisions and has no valid Power of Attorney for Personal Care, the HCCA establishes this order of SDMs:
If a person lacks capacity to manage their finances and has no valid continuing Power of Attorney for Property, the court can appoint a Guardian of Property. This is an expensive and time-consuming court process — a strong reason to have a Power of Attorney in place while you have capacity.
The CCB is an independent tribunal that reviews capacity determinations and disputes about substitute decision-making. Hearings are conducted quickly — often within 7 days when a person's liberty is at stake.
If you believe a capacity finding is wrong, you can:
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