Since sending in paperwork for a fiduciary to be named delays the payments, is it better to indicate that my mom can handle her affairs even though my sister will be managing her finances? Just wondering what the ramifications are. Money would be directly deposited to an acct that both my mom and sister have access to. Also can I send in 2 copies of the form 21-0845 so that both my sister and I can be named to handle her claims? Or is this the form needed for only the fiduciary? Thanks again! I have tried to find these answers by doing a search but I must not be wording my questions well as I am having trouble finding what I need to know!