When Might You Need an LPA?

Many people think they only need an LPA when they are elderly. In reality, an LPA can become important at any stage of life.

You may need an LPA if:

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You develop dementia or Alzheimer's disease

As these conditions progress, a person may lose the ability to manage their finances or make decisions about their care.

You suffer a serious illness

Conditions such as

• Stroke

• Brain injury

• Parkinson's disease

• Severe mental illness can affect your ability to make decisions

You are involved in an accident

A serious accident could leave you temporarily or permanently unable to make decisions about your finances or medical treatment.

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You spend time in hospital

Even a temporary loss of capacity can make it difficult for family members to deal with banks, benefits, mortgages, or healthcare decisions without legal authority.

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What happens if you don't have an LPA?

Without an LPA:

• Your family cannot automatically access your accounts

• They cannot automatically make healthcare decisions for you

• They may have to apply to the Court of Protection for Deputyship

This process can be lengthy, expensive, and stressful at a time when your family is already dealing with a difficult situation. 

Who should consider an LPA?

The simple answer is: every adult.

An LPA is a form of future planning, just like writing a will or taking out insurance. Nobody expects to lose capacity, but preparing in advance gives you and your family peace of mind. 

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Key Message

The best time to make an LPA is when you are healthy and capable of making your own decisions. Once mental capacity is lost, it is too late to create one.