A tool to manage an individual's financial and legal affairs with the individual's consent, while still capable.
What is an FPOA?
A financial or general power of attorney gives the agent (or co-agents or successor agents) comprehensive authority over an individual’s legal and financial affairs, or specific grants of authority within those areas. This is primarily intended for individuals who are not capable of managing all or part of their affairs any longer. Like a medical power of attorney, the individual must give informed consent for a POA to be valid. All general powers of attorney executed after January 1, 2010 in Colorado must conform to the Uniform Power of Attorney Act. This specifies that a form must be substantially of the same text as written in statute, though with the ability to modify the form as appropriate for specific grants of authority and durations.
A tool to manage an incapable individual's Social Security benefits, SSI payments, and some Medicare enrollments.
What is a Representative Payee?
A representative payee is appointed by the Social Security Administration (SSA) to manage an incapable person's affairs before SSA. The SSA does not recognize financial powers of attorney (FPOA). To conduct business with SSA on another individual's behalf, SSA must select that individual or organization as representative payee. Payees can manage an individual's applications and ongoing benefits and payments, including Social Security (Retirement, Survivor, or Disability Insurance) benefits, Supplemental Security Income (SSI) payments, Medicare Part A and Part B enrollments, and Extra Help for Medicare Prescription Drug (Low Income Subsidy, LIS) enrollment. Payees usually must have a face-to-face interview with SSA and be selected as the most appropriate person to serve as payee.
A tool used by the courts to manage a protected person's legal and business affairs, including finances. A conservator may be needed in addition to or instead of a guardian if there are significant assets or income.
What is a Conservatorship?
In Colorado a conservator is placed in charge of a person’s financial matters, as opposed to a guardian who is placed in charge of the care and custody of a person and is responsible for making health care and placement decisions. Conservatorship does not require that the person be found incapacitated or incompetent. A conservatorship may be opened for an adult who is unable to manage their affairs. This may be for many reasons, including conflicts of interest, an inability to effectively receive or evaluate information, or an inability to make or communicate decisions. The court may appoint an individual, a trust company, or a bank as conservator of the protected person.
A tool used by the courts to manage a protected person's day-to-day care. A guardian may be needed in addition to or instead of a conservator if the individual cannot manage their own care.
What is a Guardianship?
In Colorado a guardian is a person lawfully vested by the courts with the power and charged with the duty of taking care of an individual. This is opposed to a conservator who is placed in charge of managing finances and legal affairs of more than day-to-day amounts. A guardianship requires a legal finding of incapacity or incompetency. A guardian makes decisions about the individuals’s medical treatment and living arrangements and determines what sort of assistance and supervision the person will receive. A guardian can only administer small amounts of money, typically under $24,000 per year.
A tool used by unmarried individuals to establish certain rights and protections for each other that are not already provided by other instruments.
What is a Designated Beneficiary Agreement?
Two unmarried individuals who do not have other estate planning tools in place, such as a will or power of attorney, can establish certain rights and protections between each other (regardless of gender, age, etc). These protections can include rights of property, survivorship, beneficiaries of insurance, retirement plans, conservatorships, visitation, health care proxy and inheritance. In order to be valid, the individuals must give informed consent, not be married to any other person and not have another beneficiary agreement in place. In addition the form must be notarized and filed with the county clerk and recorder. The agreement terminates upon marriage of either party or by revocation by filed form.
This mode enables people with epilepsy to use the website safely by eliminating the risk of seizures that result from flashing or blinking animations and risky color combinations.
Visually Impaired Mode
Improves website's visuals
This mode adjusts the website for the convenience of users with visual impairments such as Degrading Eyesight, Tunnel Vision, Cataract, Glaucoma, and others.
Cognitive Disability Mode
Helps to focus on specific content
This mode provides different assistive options to help users with cognitive impairments such as Dyslexia, Autism, CVA, and others, to focus on the essential elements of the website more easily.
ADHD Friendly Mode
Reduces distractions and improve focus
This mode helps users with ADHD and Neurodevelopmental disorders to read, browse, and focus on the main website elements more easily while significantly reducing distractions.
Allows using the site with your screen-reader
This mode configures the website to be compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A screen-reader is software for blind users that is installed on a computer and smartphone, and websites must be compatible with it.
Visually Pleasing Experience
Adjust Text Colors
Adjust Title Colors
Adjust Background Colors
Big Black Cursor
Big White Cursor
February 5, 2023
We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience,
regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level.
These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible
to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific
disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML,
adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email
Screen-reader and keyboard navigation
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with
screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive
a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements,
alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website.
In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels;
descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups),
and others. Additionally, the background process scans all of the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag
for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology.
To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on
as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
Disability profiles supported in our website
Epilepsy Safe Mode: this profile enables people with epilepsy to use the website safely by eliminating the risk of seizures that result from flashing or blinking animations and risky color combinations.
Visually Impaired Mode: this mode adjusts the website for the convenience of users with visual impairments such as Degrading Eyesight, Tunnel Vision, Cataract, Glaucoma, and others.
Cognitive Disability Mode: this mode provides different assistive options to help users with cognitive impairments such as Dyslexia, Autism, CVA, and others, to focus on the essential elements of the website more easily.
ADHD Friendly Mode: this mode helps users with ADHD and Neurodevelopmental disorders to read, browse, and focus on the main website elements more easily while significantly reducing distractions.
Blindness Mode: this mode configures the website to be compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A screen-reader is software for blind users that is installed on a computer and smartphone, and websites must be compatible with it.
Keyboard Navigation Profile (Motor-Impaired): this profile enables motor-impaired persons to operate the website using the keyboard Tab, Shift+Tab, and the Enter keys. Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
Additional UI, design, and readability adjustments
Font adjustments – users, can increase and decrease its size, change its family (type), adjust the spacing, alignment, line height, and more.
Color adjustments – users can select various color contrast profiles such as light, dark, inverted, and monochrome. Additionally, users can swap color schemes of titles, texts, and backgrounds, with over 7 different coloring options.
Animations – epileptic users can stop all running animations with the click of a button. Animations controlled by the interface include videos, GIFs, and CSS flashing transitions.
Content highlighting – users can choose to emphasize important elements such as links and titles. They can also choose to highlight focused or hovered elements only.
Audio muting – users with hearing devices may experience headaches or other issues due to automatic audio playing. This option lets users mute the entire website instantly.
Cognitive disorders – we utilize a search engine that is linked to Wikipedia and Wiktionary, allowing people with cognitive disorders to decipher meanings of phrases, initials, slang, and others.
Additional functions – we provide users the option to change cursor color and size, use a printing mode, enable a virtual keyboard, and many other functions.
Browser and assistive technology compatibility
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers), both for Windows and for MAC users.
Notes, comments, and feedback
Despite our very best efforts to allow anybody to adjust the website to their needs, there may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to