Hi Alolla
my working understanding is that for the finance & property, if you honestly believe that your husband no longer has the capacity to deal with these then as you have the POA registered with the OPG already, you are able to take over as Attorney - take a certified copy among to his bank and they will make the necessary arrangements - just be ware, though, that once invoked and registered with the bank, your husband will no longer be able to deal with his accounts, only you as Attorney
eg when my dad moved into his care home I registered the POA with his bank (probably should have done it long before - and the bank were aware of his changing circumstances); talking with the supervisor who made the arrangements, he said another family had recently been in and asked about registering the POA but as they were mother and son and the mother was there and clearly had capacity to deal with her own finances, he explained the situation and they realised the son could help her out without going to the next stage, indeed the bank, having seen the mother would not have proceeded any further
as for the health & welfare - that can only be invoked when the donor no longer has capacity - for us it was when dad went into his care home, all involved agreed that he no longer had the capacity to make health & welfare decisions himself, and the home manager organised the DOLS process to safeguard him
so if your GP and/or your husband's consultant/CPN agree he no longer has capacity, then you can take on those responsibilities - I'm not sure it needs a formal assessment
as I said, though, this is my understanding
