I am the guardian of my husband. I set up the blocked account but we also have a joint account. We live in Nevada a community property state. I am also his caretaker and now I am not able to work because I need to care for my husband 24/7 with his disability. How am I going to survive and take care of my own debts if I cannot work any more?
Any bills that were "his" to pay or any money used for him I wrote checks for and reimbursed myself from his account.
You need to keep receipts for EVERYTHING so you can show the court that the money was used for him.
Is there a chance your husband is a Veteran?
There is a program called VIP (Veterans In Place) and your husband is assessed as to how much help he needs. A budget is set and you can use that money to pay for a caregiver. Unfortunately you can not pay yourself but you can pay a son or daughter or a friend. But that might give you a few hours most days that you might pick up a part time job or at least it will free up the money used for his care now.
I could not do an automatic transfer on the Guardianship account I had to go to the bank to make any transfers from "his" account to my account. It is set this way so that there, supposedly, is more security on the account and it is not drained electronically.
All I can say is it sucks being your spouses guardian. I can understand if it is a relative, a friend but the restrictions for a spouse is delicious. Good lesson for everyone that does not yet have POA's established prior to diagnosis.