Difference between revisions of "Representation Agreements (15:V)"

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== A. Types of Representation Agreements ==
== A. Types of Representation Agreements ==


Under the current RAA, there are two levels of RAs that an adult can choose to create, named for the section which governs them: s 7 RAs and s 9 RAs. Both types of RAs allow the adult to select any or all areas of decision-making created by the statutory section in which he or she will authorize the Representative to act on his or her behalf.   
Under the current RAA, there are two levels of RAs that an adult can choose to create, named for the section which governs them: s 7 RAs and s 9 RAs. Both types of RAs allow the adult to select any or all areas of decision-making created by the statutory section in which he or she will authorize the Representative to act on his or her behalf.   


=== 1. Section 7 Representation Agreements ===
=== 1. Section 7 Representation Agreements ===


Section 7 RAs designate a substitute or supportive decision-maker to make personal care decisions, '''major and minor health care decisions''' for the adult, and routine legal and financial decisions.  
Section 7 RAs designate a substitute or supportive decision-maker to make or assist in making personal care decisions, '''major and minor health care decisions''' for the adult, and routine legal and financial decisions.  


These health care decisions cover the majority of health and personal care related choices that an individual can make over the course of their life. The list of decisions includes decisions regarding:  
These health care decisions cover the majority of health and personal care related choices that an individual can make over the course of their life. The list of decisions includes decisions regarding:
*personal care, including where and with whom the adult is to reside;  
*personal care, including where and with whom the adult is to reside;  
*consent to treatment;  
*consent to treatment;  
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* opening accounts in the adult's name at financial institutions;
* opening accounts in the adult's name at financial institutions;
* withdrawing money from, transferring money between or closing the adult's accounts;
* withdrawing money from, transferring money between or closing the adult's accounts;
* receiving and confirming statements of account, passbooks or notices from a financial institution for the purpose of reconciling the adult's accounts;
* signing, endorsing, stopping payment on, negotiating, cashing or otherwise dealing with cheques, bank drafts and other negotiable instruments on the adult's behalf;
* signing, endorsing, stopping payment on, negotiating, cashing or otherwise dealing with cheques, bank drafts and other negotiable instruments on the adult's behalf;
* renewing or refinancing, on the adult's behalf, with the same or another lender, a loan, including a mortgage, if (i) the principal does not exceed the amount outstanding on the loan at the time of the renewal or refinancing, and (ii) in the case of a mortgage, no new registration is made in the land title office respecting the renewal or refinancing;
* renewing or refinancing, on the adult's behalf, with the same or another lender, a loan, including a mortgage, if (i) the principal does not exceed the amount outstanding on the loan at the time of the renewal or refinancing, and (ii) in the case of a mortgage, no new registration is made in the land title office respecting the renewal or refinancing;
* Making payment on the adult's behalf on a loan, including a mortgage, that (i) exists at the time the representation agreement comes into effect, or (ii) is a renewal or refinancing under paragraph (h) of a loan referred to in that paragraph;
* making payment on the adult's behalf on a loan, including a mortgage, that (i) exists at the time the representation agreement comes into effect, or (ii) is a renewal or refinancing under paragraph (h) of a loan referred to in that paragraph;
* taking steps under the Land Tax Deferral Act for deferral of property taxes on the adult's home;
* taking steps under the Land Tax Deferral Act for deferral of property taxes on the adult's home;
* taking steps to obtain benefits or entitlements for the adult, including financial benefits or entitlements;
* taking steps to obtain benefits or entitlements for the adult, including financial benefits or entitlements;
* purchasing, renewing or cancelling household, motor vehicle or other insurance on the adult's behalf, other than purchasing a new life insurance policy on the adult's life;
* purchasing, renewing or canceling household, motor vehicle or other insurance on the adult's behalf, other than purchasing a new life insurance policy on the adult's life;
* purchasing goods and services for the adult that are consistent with the adult's means and lifestyle;
* purchasing goods and services for the adult that are consistent with the adult's means and lifestyle;
* obtaining accommodation for the adult other than by the purchase of real property;
* obtaining accommodation for the adult other than by the purchase of real property;
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* making contributions to the adult's RRSP and RPP;
* making contributions to the adult's RRSP and RPP;
* converting the adult's RRSP to a RRIF or annuity and creating a beneficiary designation in respect of the RRIF or annuity that is consistent with the beneficiary designation made by the adult in respect of that RRSP;
* converting the adult's RRSP to a RRIF or annuity and creating a beneficiary designation in respect of the RRIF or annuity that is consistent with the beneficiary designation made by the adult in respect of that RRSP;
* making, in the manner provided in the Trustee Act, any investment that a trustee is authorized to make under that Act;
* making, in the manner provided in the Trustee Act, any investments that a trustee is authorized to make under that Act;
* disposing of the adult's investments;
* disposing of the adult's investments;
*exercising any voting rights, share options or other rights or options relating to shares held by the adult;
* exercising any voting rights, share options or other rights or options relating to shares held by the adult;
* making donations on the adult's behalf to registered charities, but only if (i) this is consistent with the adult's financial means at the time of the donation and with the adult's past practices, and (ii) the total amount donated in any year does not exceed 3% of the adult's taxable income for that year;
* making donations on the adult's behalf to registered charities, but only if (i) this is consistent with the adult's financial means at the time of the donation and with the adult's past practices, and (ii) the total amount donated in any year does not exceed 3% of the adult's taxable income for that year;
* in relation to income tax, (i) completing and submitting the adult's returns, (ii) dealing, on the adult's behalf, with assessments, reassessments, additional assessments and all related matters, and (iii) subject to the Income Tax Act and the Income Tax Act (Canada), signing, on the adult's behalf, all documents, including consents, concerning anything referred to in subparagraphs (i) and (ii);
* in relation to income tax, (i) completing and submitting the adult's returns,(ii) dealing, on the adult's behalf, with assessments, reassessments, additional assessments and all related matters, and (iii) subject to the Income Tax Act and the Income Tax Act (Canada), signing, on the adult's behalf, all documents, including consents, concerning anything referred to in subparagraphs (i) and (ii);
* safekeeping the adult's documents and property;
* safekeeping the adult's documents and property;
* leasing a safety deposit box for the adult, entering the adult's safety deposit box, removing its contents and surrendering the box;
* leasing a safety deposit box for the adult, entering the adult's safety deposit box, removing its contents and surrendering the box;
* redirecting the adult's mail;
* redirecting the adult's mail;
* doing anything that is: (i) consequential or incidental to performing an activity described above and (ii) necessary or advisable to protect the interests and enforce the rights of the adult in relation to any mater arising out of the performance of that activity.
* doing anything that is: (i) consequential or incidental to performing an activity described in paragraphs (a) to (aa), and (ii) necessary or advisable to protect the interests and enforce the rights of the adult in relation to any matter arising out of the performance of that activity.


For greater clarity, the RA Act Regulations state that the routine management of the adult's financial affairs do '''NOT''' include the following:
For greater clarity, the RA Act Regulations state that the routine management of the adult's financial affairs do '''NOT''' include the following:
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*(g) acting, on the adult's behalf, as director or officer of a company.
*(g) acting, on the adult's behalf, as director or officer of a company.


The creation of a s 7 RA does not require the services of a lawyer. However, a s 7 RA for the adult does not permit a Representative to make health care and personal decisions that involve decisions to refuse health care necessary to preserve life, or to physically restrain, move or manage the adult.
The creation of a s 7 RA does not require the services of a lawyer. However, a s 7 RA for the Adult does not permit a Representative to make health care and personal decisions that involve decisions to refuse health care necessary to preserve life, or to physically restrain, move or manage the adult against the adult’s objections.  


If there is a conflict between an enduring POA and a s 7 RA which includes routine management of financial affairs, the enduring POA will take priority.  
If there is a conflict between an enduring POA and a s 7 RA which includes routine management of financial affairs, the enduring POA will take priority.  
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=== 2. Section 9 Representation Agreements ===
=== 2. Section 9 Representation Agreements ===


Section 9 RAs designate a substitute decision-maker for significant and sometimes very personal or more controversial health or personal care decisions. Under this section, representatives can do anything that the representative considers necessary in relation to the personal care or the health care of the adult, including:  
SSection 9 RAs designate a substitute decision-maker for significant and sometimes very personal or more controversial health or personal care decisions. Under this section, representatives can do anything that the representative considers necessary in relation to the personal care or the health care of the adult, including:  
*where the adult is to live and with whom, including whether the adult should live in a care facility;  
* where the adult is to live and with whom, including whether the adult should live in a care facility;
*whether the adult should work and, if so, the type of work, the employer, and any related matters;  
* whether the adult should work and, if so, the type of work, the employer, and any related matters;
*whether the adult should participate in any educational, social, vocational or other activity;
* whether the adult should participate in any educational, social, vocational or other activity;
*whether the adult should have contact or associate with another person;  
* whether the adult should have contact or associate with another person;
*whether the adult should apply for any licence, permit, approval or other authorization required by law for the performance of an activity;  
* whether the adult should apply for any licence, permit, approval or other authorization required by law for the performance of an activity;
*day-to-day decisions on behalf of the adult, including decisions about the diet or dress of the adult;  
* day-to-day decisions on behalf of the adult, including decisions about the diet or dress of the adult;
*giving or refusing consent to health care for the adult, including giving or refusing consent in the circumstances specified in the RA to specific kinds of health care, even where the adult refuses to give consent at the time the health care is provided; and  
* giving or refusing consent to health care for the adult, including giving or refusing consent in the circumstances specified in the RA to specific kinds of health care, even where the adult refuses to give consent at the time the health care is provided; and
*physically restraining, moving and managing the adult and authorizing another person to do these things, if necessary to provide personal care or health care to the adult  
* physically restraining, moving and managing the adult and authorizing another person to do these things, if necessary to provide personal care or health care to the adult


A representative under s 9 RA must not do the following, unless expressly provided for in the RA:  
A representative under s 9 RA must not do the following, unless expressly provided for in the RA:  
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*interfere with the adult’s religious practices.   
*interfere with the adult’s religious practices.   


S 34(2)(f) pertains to refusing substitute consent to health care necessary to preserve life (s 18, HCCFA.) In a s 9 RA, if a Representative is provided the power to give or refuse consent to health care for the adult, then the Representative may give or refuse consent to health care necessary to preserve life (s 9(3), RAA). Some other health decisions are also excluded from potential powers, e.g. “sterilization for non-therapeutic purposes” (s 11(2), RAA).
S 34(2)(f) pertains to refusing substitute consent to health care necessary to preserve life (s 18, HCCFA. ) In a s 9 RA, if a Representative is provided the power to give or refuse consent to health care for the adult, then the Representative may give or refuse consent to health care necessary to preserve life (s 9(3), RAA). Some other health decisions are also excluded from potential powers, e. g. “sterilization for non-therapeutic purposes” (s 11(2), RAA).  


The creation of a s 9 RA no longer requires the services of a lawyer. However, careful attention should be paid to the requirements and powers given under s 7 and s 9 RAs to determine which one best suits the needs of the Adults.
The creation of a s 9 RA no longer requires the services of a lawyer. However, careful attention should be paid to the requirements and powers given under s 7 and s 9 RAs to determine which one best suits the needs of the Adult.


Prior to September 2011, a s 9 RA could include broad financial powers, equivalent to those given in a POA. The new PAA says this broad authority in an RA is now treated as if it were an enduring POA, and the Representative must follow the requirements under the PAA to use these powers (s 44.2 Transitional Provision).
Prior to September 2011, a s 9 RA could include broad financial powers, equivalent to those given in a POA. The new PAA says this broad authority in an RA is now treated as if it were an enduring POA, and the Representative must follow the requirements under the PAA to use these powers (s 44. 2 Transitional Provision).  


=== 3. Note on Medical Assistance in Dying ===
=== 3. Note on Medical Assistance in Dying ===
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This is because the College of Physicians and Surgeons of British Columbia’s “Professional
This is because the College of Physicians and Surgeons of British Columbia’s “Professional
Standards and Guidelines” regarding MAiD clearly prohibit consent given through Ads and RAs. The Professional Standards and Guidelines have weight in law pursuant to section 5(2) of the Medical Practitioners Regulation under the Health Professions Act.  
Standards and Guidelines” regarding MAiD clearly prohibit consent given through ADs and RAs. The Professional Standards and Guidelines have weight in law pursuant to section 5(2) of the Medical Practitioners Regulation under the Health Professions Act.  


For more information on the Standards and Guidelines of the College of Physicians, please see their document on MAiD at: https://www.cpsbc.ca/files/pdf/PSG-Medical-Assistance-in-Dying.pdf
For more information on the Standards and Guidelines of the College of Physicians, please see their document on MAiD at: https://www.cpsbc.ca/files/pdf/PSG-Medical-Assistance-in-Dying.pdf
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