What does a durable power of attorney ensure when a person becomes disabled?

A durable power of attorney is a legal document that remains effective even if the individual who created it becomes incapacitated or disabled. This is crucial in situations where a person can no longer make decisions for themselves, whether due to illness, injury, or some other form of disability. By ensuring that the power of attorney remains in effect, it allows the designated agent to manage the person's financial or medical affairs according to the stipulations outlined in the document.

This feature distinguishes a durable power of attorney from a regular power of attorney, which would typically terminate upon the individual's incapacitation. As a result, the correct answer emphasizes the continuity of authority granted through the durable power of attorney, ensuring that the agent can act on behalf of the individual during vulnerable times when the individual cannot advocate for themselves.

The other options do not accurately capture the essence of a durable power of attorney. While it grants designated powers, those powers are not universally applicable to anyone, nor does it grant lifetime authority beyond the individual’s wishes or needs. It also does not automatically cancel previous agreements; rather, it will remain effective as specified unless revoked by the principal.