A Lasting Power of Attorney (LPA) is something every adult should think about, no matter their age or health. Many people believe LPAs are only for older individuals, but this isn’t true. Life is unpredictable, and an accident or illness can affect any one of us without warning. Putting an LPA in place is about staying in control, protecting your choices, and making sure the right people can help you if you ever need support.
Why an LPA Matters at Any Age
Every day, people of all ages face unexpected situations because of accidents, strokes, serious illnesses, or medical emergencies. If something happens and you become unable to make decisions — even temporarily — someone will need to step in. Without an LPA, that person does not automatically have the legal right to do so, even if they are your closest family member.
This often surprises people. Your partner, children, parents, or close friends cannot legally:
Access your bank accounts
Manage your bills
Make medical decisions
Speak to doctors on your behalf
Arrange care
Organise your financial affairs
Without an LPA, their hands are tied, and professionals can only act within strict rules. This can cause stress, delays, and difficulty at a time when support is needed most.
What Happens If You Do NOT Have an LPA?
If you lose mental capacity and haven’t made an LPA, your loved ones must apply to the Court of Protection for a deputyship order. This is:
Slow – it can take months
Stressful – arriving during an already emotional time
Costly – the fees are higher than setting up an LPA
Uncertain – the court decides who becomes your deputy
Worse still, the court may appoint someone you never would have chosen — or even someone you barely know.
Having an LPA prevents all of this.
Who Should Consider Making an LPA?
The simple answer: every adult.
You should consider an LPA if you:
Want someone you trust to handle your affairs if needed
Want to avoid court involvement in your personal decisions
Want peace of mind for yourself and your family
Live alone and want a clear plan in place
Have health concerns or a family history of illness
Own a home or have financial responsibilities
Care about who makes medical decisions for you
An LPA isn’t only about age — it’s about preparation and protection.
Why It Gives You Peace of Mind
Creating an LPA means you are choosing who will speak for you and how your affairs will be handled. You remain in control even if life changes suddenly. It also removes a huge amount of pressure from your family during a difficult time.
With an LPA:
You choose who acts
You decide how they act
You set your wishes in advance
You avoid the deputyship process completely
It is one of the most thoughtful and protective things you can put in place for yourself and the people you love.
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