A person is "incapacitated" if the person:
(1) is a minor;
(2) is an adult who, because of a physical or mental condition, is substantially unable to:
(A) provide food, clothing, or shelter for himself or herself;
(B) care for the person's own physical health; or
(C) manage the person's own financial affairs; or
(3) must have a guardian appointed for the person to receive funds due the person from a governmental source.