Protecting the Elderly Against Guardianship AbuseProtecting the Elderly Against Guardianship Abuse

Our instinct is to protect the elderly. When older people become unable to manage their own affairs they need help, and each state has established a process to give them that help. A guardian (also known as a conservator) can be appointed to make financial, medical, and housing decisions for a senior who no longer can manage alone. In most cases this is a godsend.

The guardian, often a family member, has authority to act for the senior, so that he or she needn’t worry about paying bills, arranging for nursing home care, or applying for a senior apartment. The guardian steps in and manages everything.

It’s what we all hope someone would do for us – help us when we are no longer able to help ourselves. Unfortunately, it’s becoming clear that this system is fraught with abuses.

Decisions powered by money

The guardian is given carte blanche to make all decisions. There is supposed to be oversight by the court, but most states provide only cursory supervision. This means that the guardian gets to decide how the elderly person’s money is spent, without checks and balances. With 1.5 million seniors in the guardianship system in the United States (and a growing senior population means this number will only increase) and $273 billion in assets being managed, the potential for exploitation is enormous.

If the guardian is a trusted relative, things are likely to be fine. Not all guardians are relatives, however, and you might be surprised to learn that guardianship is a big business; a huge industry built up of professional guardians—complete strangers—who are appointed by courts to manage the affairs of unwitting elders.

Sometimes they are appointed when there is no family member able to undertake the responsibility. But in other situations, these professional guardians actually troll for clients, holding “informational meetings” about topics of interest to seniors, then homing in on those who seem to be without family support and appear too confused to stand up for themselves.

The professional guardian submits a petition to the court stating that a senior needs a guardian and asking to be appointed—for a fee. It all happens without the senior’s consent. And while many of professional guardians are ethical and conscientious, some are not.

Out of control

When a guardian is appointed, the senior often has to pay not only the legal fees of the case, but also ongoing fees management charged by the guardian, as well as the cost of services provided, such as taking the person to the doctor or supervising visits with family. If the guardian is a family member these fees are usually waived. (Are you going to charge your grandpa to bring him some groceries?) But when a professional guardian is appointed, the entire point is to charge fees.

Often such guardians do not focus on the senior’s needs; rather, they find ways to spend more money so that they can collect more fees. There are many cases where a senior’s spending triples or quadruples once a professional guardian takes over. For instance, 71-year-old Linda McDowell of Vancouver, Washington, found herself with a guardian in charge of her assets after a petition was filed; in the 30 months she was in the “care” of a guardian, most of her $700,000 in assets were spent without her consent.

The guardian also gets ultimate control over the person’s entire life. “I can decide who they see. I can put them in a nursing home,” professional California conservator Frumeh Labow of Complete Probate Administration told the LA Times. “It’s the biggest imposition on your civil liberties short of being imprisoned.”

Plan for your own future

These abuses are frightening and highlight a system with little oversight over one of our most at-risk populations. The National Association to Stop Guardianship Abuse (NASGA) is working to change the system. They point out that many state statutes have lowered the standard for determining who requires guardianship, downgrading the criterion from incompetence to incapacity, making it much easier for a guardian to be appointed. Each state has its own laws and regulations for this industry, so understand yours.

To completely protect yourself, plan for your future before there is any need for a guardian. Work with an estate planning attorney to create a health care directive and health care power of attorney or proxy. These documents allow you to make preemptive decisions about your health care and name someone you trust to make decisions for you should become unable to make them yourself.

Set up powers of attorney, naming people you trust to manage your financial and legal affairs on your behalf beginning today or at a point in the future when you are unable to do so. You may also consider a living trust, which can provide complete management of all of your assets according to your instructions.

The guardianship system offers many benefits to needy seniors, but the abuses make it clear it is better to plan for your own future when possible.

Written by Brette Sember

Brette Sember ( is a former attorney and author of more than 40 books, including The Divorce Organizer & Planner, The Complete Divorce, and How to Parent with Your Ex. She writes often about law, parenting, food, travel, health, and more. Brette also writes for AvvoStories, brought to you by Avvo, the leading online legal marketplace connecting consumers and lawyers. Avvo’s free Q&A forum—with more than 9 million questions and answers—along with on-demand legal services that provide professional counsel for a fixed cost, make legal faster and easier.

Senior Advisor's knowledgeable writers blog about senior care services, trends and more.


  1. Salem Zahn May 24, 2018 Reply

    This article is something that needs to be shouted to the highest hills until everyone hears and a major protest ensues!
    The guardianship system is a breeding ground for the worst kind of vipers that hell ever created!
    I wouldn’t be surprised to find some court appointed guardian to show up at my door tomorrow and whisk mom away into oblivion!
    My heart is saddened to think that moms demise would be an humane act of God spareing her from the cannaballistic systems predators that call themselves guardians!
    Mom never had much all her life after growing up in the depression in a large family of eight children!
    She worked very hard all her life and only wound up with a small house that’s still mortgaged with very little equity!
    She does have a Will but I can see that the small amount she has left family to divide up will be confiscated and masticated by the viscous dogs of the Texas probate court system!
    Steer very clear of the guardianship system at all cost! It will only make matters much much worse and it’s a black hole that has no escape for you or your dear declining loved one

    May the love of our Lord and Savior Jesus Christ protect you all from the guardianship systems holocaust tactics! It’s a modern day death camp system in full force with little hitlers employed all over this country!
    The attorney ad litem that came to investigate moms environment and care today bore an uncanny resemblance to Adolfo!
    As he left out the door I felt a cold chill run down my spine!
    Why couldn’t I have been run over by a Mac truck as I was heading to the court to apply for guardianship over mother! But here I sit … writing to others … thinking … what more can I say…. if you don’t believe me yet….
    Well go ahead and learn first hand the hard and powerless and expensive way like I have!

  2. Marcia Southwick April 14, 2019 Reply

    When a guardian is in control, they have the rights you once had –if you’re now their ward. They are basically a substitute for YOU with all of YOUR RIGHTS, leaving you a mere ghost with no power over any decisions about you or your life. In your shoes, the guardian can undo estate planning if the court agrees. They do it “in your best interest,” which probably means they need to delve into your trusts and sell your home to pay themselves and everyone they hire to perform “services” you don’t need or want.

  3. Charles Conway November 4, 2019 Reply

    I and my mother were accused of financially exploiting her 90 year old demented sister by APS in Oregon falsely. They presented these lies to the circuit court and there goes close to $800,000.00. When will the federal government stop this heinous crime?

  4. Hulali mccoy December 19, 2019 Reply

    How is this legal?! Its the worst thing ever and somebody needs to make it right!!

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