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What is a Lasting Power of Attorney (LPA)?

An LPA is a legal document that lets you (the ‘donor’) choose one or more people (known as ‘attorneys’) to help you make decisions or to make decisions on your behalf.

In the event of an accident or an illness, this gives you more control over what happens to you.

To be eligible for an LPA, you must meet the following criteria:

  • You must be 18 or over and have mental capacity (the ability to make your own decisions) when you make your LPA.
  • You don’t need to live in the UK or be a British citizen.

The following 2 types of LPA are available, and you can choose one type or both:

  • health and welfare
  • property and financial affairs

You can only make an LPA whilst you have the mental capacity to do and in the event of an illness, an LPA will allow your loved ones to make decisions about money and property for you, for example:

  • managing a bank or building society account
  • paying bills
  • collecting benefits or a pension
  • selling your home

Your loved may not be able to look after your financial affairs in the absence of an LPA and the court may have to appoint somebody which can take time and cost money.

These products are not regulated by the Financial Conduct Authority.