Richard Cussell

Life can be unpredictable. While we hope to stay healthy and independent, there may come a time when illness or accident means we can’t make important decisions for ourselves. A Lasting Power of Attorney (LPA) helps protect you and your loved ones during these times.

What is a Lasting Power of Attorney?

An LPA is a legal document that lets you choose someone you trust to make decisions for you if you are unable to do so. It does not take effect immediately but only if you lose the ability to manage your affairs, such as after a serious illness, stroke, or dementia.

Think of an LPA as insurance for your future. In the event of incapacity, it means your affairs are handled by the people you choose, not left to chance.

There are two main types of powers you can give through an LPA:

1. Property and affairs
   This allows your attorney(s) to manage your money and property. They can pay bills, collect income or benefits, manage bank accounts, and buy or sell property for you.
2. Health and welfare
   This lets your attorney(s) be an advocate for you. They can make decisions about your health and care. They can decide where you live, what medical treatment you receive, and even daily choices like what you eat or wear. This is important if you cannot communicate your wishes.

You can choose one or both types of powers depending on your needs.

Why having a Lasting Power of Attorney matters

Without an LPA, your family or friends have no automatic right to manage your affairs if you lose capacity. The state does not automatically recognise family wishes. Without an LPA the only alternative is for a family member to apply to the court to appoint a deputy to act for you. This process is slow and costly. It can delay important decisions when quick action is needed.

Writing an LPA provides peace of mind for you and your family. It ensures your wishes are respected and your interests protected. Your trusted attorneys can act quickly to manage your finances or care, avoiding delays and uncertainty.

It is a straightforward process that lets you choose who looks after you. It enables your family to make decisions during what might be a difficult time. 

Do not wait until it is too late

The time to create an LPA is now, whilst you are healthy and able to decide. Once you lose capacity, it is too late.