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Lasting Powers of Attorney

Lasting Powers of Attorney

Have you ever considered how you would manage if you became incapable of managing your finances, either because you were physically incapable of going to the bank or signing cheques or if you were mentally incapable? Have you also considered whether you would like someone else to make decisions about where you live or what medical treatment you should receive in the event that you cannot make such decisions yourself due to mental incapacity?

Although it is sometimes difficult to think about such a thing happening to you, simple tasks can become more and more difficult as you get older and especially if you become ill, have an accident or suffer from an illness such as dementia or Alzheimer’s.  Occasionally, much younger people may suffer a loss of mental capacity due to a sudden illness or as a result of an injury or accident.

Whilst you are still fit and well, you can prepare a document which allows
YOU TO CHOOSE who you would want to deal with your finances if you are unable.  The document is a Lasting Power of Attorney (LPA) whereby you appoint one or more Attorneys to deal with your property and affairs or make personal welfare decisions.  This can allow your Attorneys to carry out everyday tasks such as paying your bills or more significant duties such as selling your house or for them to decide where you live or what medical treatment you receive.

You can watch a short video by Dominic Littlewood on The One Show about the importance of appointing a Power of Attorney, click here.

Here we answer some of the most important questions about LPAs.

1. What are LPAs?

LPAs were created by the Mental Capacity Act 2005 (MCA 2005). The MCA 2005 covers England and Wales and provides a statutory framework for adults who lack capacity to make decisions for themselves, or who have capacity and want to make preparations for a time when they may lack capacity in the future.

2. How do they work?

An LPA enables a person aged 18 or over (the donor) to appoint another person or persons (their donee or attorney) to act on their behalf, following the principles of the MCA 2005, if they subsequently lose capacity. A person can choose to delegate decisions affecting their personal welfare - including healthcare and medical treatment decisions - as well as decisions concerning their property and financial matters to their attorney(s).

3. What types of LPA are there?

LPA FD
LPA FD's can be used to appoint attorneys to make a range of decisions including the buying and selling of property, operating a bank account, dealing with tax affairs, and claiming benefits.

LPA H&CD
LPA H&CD's might authorise the attorney(s) to make decisions about where the donor should live, consenting to or refusing medical treatment on the donor’s behalf, and day-to-day care, including diet and dress.

4. Do they need to be Registered?

The LPA must be registered with the Office of the Public Guardian (OPG) before it can be used.

5. Who should I choose as Attorney(s)?

The choice of Attorney(s) is clearly a personal decision for the donor, but the Attorney(s) must be absolutely trustworthy. The appointment of a sole attorney, whether this be for a LPA FD or a LPA H&CD, may provide greater opportunity for abuse and exploitation than appointing more than one attorney. If the donor wishes to create both a LPA FD and a LPA H&CD then they should consider whether they wish to appoint different attorneys for each LPA.

It is possible to allow some flexibility, for example the donor may wish to appoint a family member and a professional to act together and independently with, perhaps, the family member dealing with day-to-day matters, and the professional dealing with more complex decisions.

6. What if I want more than one Attorney?

Where more than one attorney is to be appointed for a LPA FD or for a LPA H&CD, they must be appointed to act ‘together’, ‘together and independently’ or ‘together in respect of some matters and together and independently in respect of others.’

7. What type of authority should I give them?

The donor must be clear whether the LPA is to be a general power, giving the attorney(s) authority to manage all the donor's property and affairs or to make all personal welfare decisions, or whether any restrictions and/or conditions are to be placed on their power.
General authority under a LPA H&CD will include all healthcare decisions, except: giving or refusing consent to life-sustaining treatment (unless the LPA document expressly authorises this).

8. What is the certificate?

A valid LPA whether it be a LPA FD or LPA H&CD - must include a certificate completed by an independent third party known as the ‘certificate provider’ confirming that in his or her opinion:

Only certain people can make the certificate including someone who knows the donor personally and has done so for the previous two years or someone who has the relevant professional skills and expertise to certify the LPA. Examples include a GP, social worker, and lawyers.
A certificate provider cannot be under 18 or a member of the donor’s or attorney’s family or certain other persons.

9. Does the LPA have to be registered?

The LPA cannot be used until it has been registered with the OPG.

10. When can the LPA be used?

A LPA FD can be used while the donor still has capacity, unless it specifies that it can’t.

A LPA H&CD can only be used when the donor no longer has capacity to make the particular decision affecting their health or personal welfare.

11. When can I make an LPA?

You can prepare an LPA at any time, provided you have the capacity to do so. Your attorneys cannot act on your behalf unless your LPA has been registered at the Office of the Public Guardian. In some cases it is appropriate to apply to register your LPA straight away. We can advise you regarding this.

12. How much does an LPA cost?

We charge a standard fee for the preparation of LPAs and would be happy to discuss these with you. There are additional costs if you require your LPA to be registered or for Crombie Wilkinson Solicitors to act as your Certificate Provider.

13. What happens if someone I know cannot manage their affairs and does not have an LPA?

If somebody you know does not have an LPA and is unable to manage their own affairs, anybody can apply to become their Deputy by making an application to the Court of Protection for a Deputyship Order. We can assist you in making this application.

If you would like to discuss any aspect of this information, please do not hesitate to contact a member of our Private Client team below or by sending an enquiry using the enquiry form below.

This information does not constitute legal advice in its own right. Always seek personal advice direct from a Solicitor before you take any action.     

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