When my father who had early onset dementia, had moved from a "care" home, into a nursing home, and had lost the capacity to control every muscle except his swallow, (so he couldnt dehydrate to death because the nurses can not let that happen).... and got an infection, that meant he was unable to swallow, his nurses and GP who visited wanted to transfer him from his nursing home, to a hospital for an antiobiotic that he could ONLY have in hospital, I WISHED I'd had his health POA as well as financial. (I'd been his financial legal attorney for at least 5 years)
Thankfully, from 250miles away, over the telephone I managed to convince his GP to agree to him staying in his care home to die naturally ASAP rather than give these ABs to prolong his miserable life.
It was VERY clear that without health POA to choice to admit him was the Drs choice and NOT mine. (I was acting for what I know would have been his wishes). Yes I won this battle..... but an HOUR telling a Dr to let your Dad die was not a very nice converstaion which could have been avoided.
It just so happened that he recovered from this infection and continued "living" for several more months.
A few months later, when he WAS ACTUALLY DIEING on his syringe driver, (< 2 hours before he actually died) a "bank nurse" came into his room to change his nappy. It was VERY VERY clear that he was not going to live much longer and having neither eaten or drunk anything for days, there was not going to be much to change:
I had a full on stand off with her and won. She INSISTED she had to change him there and then, and I lied and said has is attorney I do NOT consent and you will NOT touch him. It was only going to distress him.
It was very clear that she didnt like it, but she could also not overrule me, because my answer was no and I meant it. No one was going to do that to my Dad as he was dieing in bed "because it was policy"
He died < 2 hours after this disagreement.
So yes, I have both financial and health POA, as does my husband (for all possibilities.... if just 1 of us is dead / dieing, or if both of us are dead / incapable (when me mum / sister can act jointly / severaly for me, as can his mum and brother for him)
Yes our wills are sorted too.
IMO POA is even more important than a will because unless you are killed in a freak accident or something, you are likely to become incapable before being dead, and someone will need to act on your behalf.
Your will is for the benefit of your beneficiarys, once you are dead; your POA can benefit you while you are alive