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Account Holder Protection

Hi I have to place the money from the sale of my Aunts house into a high interest account to pay for her care in a residential home. My cousin and I have joint power of attorney and are concerned about how well protected her money will be.

I have heard that if you have an account in joint names you have twice the protection if in this case there are 3 names on the account ie my Aunt plus her 2 attorneys do you get 3 times the protection?

Hope you can help.
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