Lasting Power of Attorney (LPA)

lasting power of attorney (LPA)
Probate England Maple Wills Milton Keynes

Lasting Power of Attorney (LPA)

A Lasting Power of Attorney (LPA) is a legal document that is only valid in your lifetime. It is a legal document that allows you to appoint someone you trust to make decisions on your behalf if you are unable to do so. There are two types of LPA:

1: Financial and Property 

This type lets someone you trust make decisions about your money and property. It can be used whilst you still have mental capacity (if you allow it) , or if you lose capacity later. These can include:

  • Managing bank accounts
  • paying bills or debts
  • Collecting benefits or pensions
  • Buying or selling property

2: Health and Welfare

This type covers decisions about your personal wellbeing including:

  • Medical treatment
  • Daily care (eg washing, eating)
  • Moving into a care home
  • Life-sustaining treatment decisions

It can only be used if you lose mental capacity

In it, you give people you trust the legal power to make decisions on your behalf.

About Lasting Power of Attorney,
and a Case Study.....

What is a General Power of Attorney? (GPA) 
A General Power of Attorney is a legal document that allows you to appoint someone you trust to manage your financial affairs and make decisions on your behalf for a temporary period or specific purpose. This can include handling bank accounts, paying bills, managing property  or dealing with other financial matters if you are unavailable or unable to act yourself. 
Unlike a Lasting Power of Attorney, a General Power of Attorney becomes invalid if you lose mental capacity. It is commonly used for short-term situations such as travelling abroad, illness or convenience in managing day to day affairs.
 
 
 

Why is it important?

If you develop dementia and lose mental capacity, you will need someone to help you manage your bank account and day-to-day care. An LPA is required for someone to have the legal right to do this, including your spouse. Loss of capacity is most likely in old age, but it can also be the result of a serious disease or accident. If a person has already lost mental capacity, it is too late to make a LPA so it is important to consider setting one up as soon as possible. Having an LPA you are in control.

Case Study:

When Alan turned 60, he and his wife Sue agreed to apply for LPAs. With the help of Maple Wills , they were made attorneys for each other, along with their son, John. After enjoying two years of early retirement, Alan developed sudden onset dementia.  Because they had the foresight to set up an LPA, Sue and her son John had the legal power necessary to take control during this incredibly difficult time. Sue was also free to make medical decisions on Alan’s behalf, and because her finances were uninterrupted, she had the financial freedom to make Alan’s life as comfortable as possible. 

What would have happened if there was no LPA in place?

Had they not set up the LPAs, Sue and John would have faced one legal and financial obstacle after another. The bank account they share would have been frozen, making it impossible to pay for supplementary healthcare. Without an LPA, Sue would not have the power to make decisions regarding Alan’s health. Furthermore to obtain the legal permissions, she would have had to pay thousands of pounds in court fees during those challenging months. When eventually she was made a deputy of court, she would have had to take out a guarantee bond to protect the assets from potential financial mismanagement – at a cost of several hundred pounds a year. All whilst struggling to cope with the painful decline of her beloved husband. 

Wishes

Without a Will, when you’re gone your wishes won’t be considered. The legal rules of intestacy take over, which can lead to unintended consequences and cause stress and disagreements among family members. Having a Will gives you peace of mind that your gift will go to your loved ones. It’s a simple way to make sure your wishes are honoured.

Single Wills

A single Will is created by one person and outlines their individual wishes for how their estate should be handled after they pass away. It’s ideal for people who are not in a relationship, or for those who have different wishes from their partner.

Mirrored Wills

Mirrored Wills are two separate but almost identical Wills, usually made by couples. Each person leaves their estate to the other, and then to the same beneficiaries (like children) if both pass away. They’re a popular choice for married couples or partners who share the same wishes.
Mirrored wills are not legally linked — either person can change their will at any time without telling the other. Both types of wills must meet legal requirements to be valid, including being signed and witnessed properly.

About Wills:

Posted on Google Google
Cassandra Mary profile picture
Cassandra Mary
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I have contacted Maplewills regarding two different legal issues now I have been very impressed both times everyone are friendly they really know what they are doing. I have recently been with both Hayley and Bal who have been more than helpful. I highly recommends speaking to this film with legal enquiries.
Posted on Google Google
Abigail Mark profile picture
Abigail Mark
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
My experience with maplewills was so much unbelievable, Sunny was very professional and clear with communication I appreciate having the process explained in steps rather than feeling overwhelmed by complicated information their helpful attitude made a very different.
Posted on Google Google
Jack Mean profile picture
Jack Mean
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Bal was helpful and professional taking the attention to explain the different options clearly I appreciate the straightforward communication and the care shown throughout the process it reassuring to have someone who makes estate planning easier to understand.
Posted on Google Google
Magnus Theron profile picture
Magnus Theron
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Getting my will sorted was something I had been putting off for a while I'm glad I finally looked into it with Maplewills as it helped me better and I'm planning ahead matters.
Posted on Google Google
Moses Abigail profile picture
Moses Abigail
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I'm glad I reached out to maplewills for help with my wills. The team made the process easier to understand and I appreciate having my questions answered it was an outstanding experience in my life. I must recommend.
Posted on Google Google
Bronson Johnson profile picture
Bronson Johnson
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Very good, and well presented. thank you Bal.
Posted on Google Google
Steve Tompkins profile picture
Steve Tompkins
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great Company very professional and very knowledgeable our Trust is in good hands.
Posted on Google Google
Terry Miller profile picture
Terry Miller
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
This is primarily to express my appreciation of a member of Maple Wills' staff. Her name is Sunny. Whilst very happy with the quality of overall service, it is Sunny who provides the exceptional element. Always friendly, patient, knowledgeable and professional. In short - a true gem. And I say this with grateful thanks.
Posted on Google Google
Angela Mason profile picture
Angela Mason
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
A very friendly atmosphere made to feel very welcome, and good professional advice and support
Posted on Google Google
Lucas Parker profile picture
Lucas Parker
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Family Protection Trust We had been putting off sorting out our family arrangements because we weren't sure where to start. Eric took the time to understand what we wanted to achieve and explained the Family Protection Trust in a way that finally made sense to us we left feeling much more confident about having everything properly arranged.
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Wills

A Will sets out how you want your money, property, and possessions to be distributed after your death and allows you to appoint guardians for children under the age of 18.

We can’t predict when our time will come to an end. You’ve worked hard every day, putting in the effort to get where you are now. Ultimately, we want to share the results of our lifelong work with our loved ones. Giving the product of our life’s work as a gift is the biggest and best thing we can do – it’s everything we own. It’s crucial to make sure this is done right – by writing a Will.

About Wills:

Wishes

Without a Will, when you’re gone your wishes won’t be considered. The legal rules of intestacy take over, which can lead to unintended consequences and cause stress and disagreements among family members. Having a Will gives you peace of mind that your gift will go to your loved ones. It’s a simple way to make sure your wishes are honoured.

Single Wills

A single Will is created by one person and outlines their individual wishes for how their estate should be handled after they pass away. It’s ideal for people who are not in a relationship, or for those who have different wishes from their partner.

Mirrored Wills

Mirrored Wills are two separate but almost identical Wills, usually made by couples. Each person leaves their estate to the other, and then to the same beneficiaries (like children) if both pass away. They’re a popular choice for married couples or partners who share the same wishes.
Mirrored wills are not legally linked — either person can change their will at any time without telling the other. Both types of wills must meet legal requirements to be valid, including being signed and witnessed properly.

Posted on Google Google
Cassandra Mary profile picture
Cassandra Mary
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I have contacted Maplewills regarding two different legal issues now I have been very impressed both times everyone are friendly they really know what they are doing. I have recently been with both Hayley and Bal who have been more than helpful. I highly recommends speaking to this film with legal enquiries.
Posted on Google Google
Abigail Mark profile picture
Abigail Mark
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
My experience with maplewills was so much unbelievable, Sunny was very professional and clear with communication I appreciate having the process explained in steps rather than feeling overwhelmed by complicated information their helpful attitude made a very different.
Posted on Google Google
Jack Mean profile picture
Jack Mean
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Bal was helpful and professional taking the attention to explain the different options clearly I appreciate the straightforward communication and the care shown throughout the process it reassuring to have someone who makes estate planning easier to understand.
Posted on Google Google
Magnus Theron profile picture
Magnus Theron
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Getting my will sorted was something I had been putting off for a while I'm glad I finally looked into it with Maplewills as it helped me better and I'm planning ahead matters.
Posted on Google Google
Moses Abigail profile picture
Moses Abigail
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I'm glad I reached out to maplewills for help with my wills. The team made the process easier to understand and I appreciate having my questions answered it was an outstanding experience in my life. I must recommend.
Posted on Google Google
Bronson Johnson profile picture
Bronson Johnson
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Very good, and well presented. thank you Bal.
Posted on Google Google
Steve Tompkins profile picture
Steve Tompkins
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great Company very professional and very knowledgeable our Trust is in good hands.
Posted on Google Google
Terry Miller profile picture
Terry Miller
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
This is primarily to express my appreciation of a member of Maple Wills' staff. Her name is Sunny. Whilst very happy with the quality of overall service, it is Sunny who provides the exceptional element. Always friendly, patient, knowledgeable and professional. In short - a true gem. And I say this with grateful thanks.
Posted on Google Google
Angela Mason profile picture
Angela Mason
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
A very friendly atmosphere made to feel very welcome, and good professional advice and support
Posted on Google Google
Lucas Parker profile picture
Lucas Parker
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Family Protection Trust We had been putting off sorting out our family arrangements because we weren't sure where to start. Eric took the time to understand what we wanted to achieve and explained the Family Protection Trust in a way that finally made sense to us we left feeling much more confident about having everything properly arranged.
Verified by Trustindex
Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
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We're Here to Help

At MapleWills, we understand the importance of Wills and estate planning. Our experienced and compassionate team is here to guide you through process, ensuring you have a legally sound Will that captures all your requirements .

We’re dedicated to making sure your legacy is preserved as you envision

Don’t wait to protect your family’s future. Contact us today.

We're Always Here to Help

At Maple Wills, we understand the importance of Wills and estate planning. Our experienced and compassionate team is here to guide you through process, ensuring you have a legally sound document that captures all your requirements . We will talk you through writing your Will/Trust/LPA in clear cut, unambiguous language so you fully understand your options and make the right choices for you and your loved ones. 

We write Wills/Trusts and LPA’s every day, and we will guide you towards choosing the most appropriate will for your circumstances, we are dedicated to making sure your legacy is preserved as you envision.

Maple Wills complies with the strict industry rules and checks required. Alongside professional indemnity insurance, this will ensure you receive the trustworthy professional and confidential service you require. Don’t wait to protect your family’s future. Contact us today. 

Frequently Asked Questions

Anyone aged 18 or over, and who has mental capacity to give their instructions and understand the nature of the documents and the decisions their attorneys can make on their behalf.

Yes, you can have multiple attorneys. It is common to appoint between two and four attorneys, and you have the option to appoint primary and replacement attorneys.

When you appoint more than one attorney it is important to consider if you know your attorneys well and trust them to make decisions on your behalf if you are unable to. It is also important when appointing multiple attorneys to consider whether they will be able to work well together on your behalf.

When you appoint more than one attorney you will need to decide how they can make decisions, whether they can only make joint decisions, or if they are given the flexibility to act together and independently.

Yes, you can do a Lasting Power of Attorney for both Health and Welfare and Property and Finance. We would advise that both are created, as they appoint attorneys to make different decisions, and one cannot be used to make decisions for the other. The Property and Finance Lasting Power of Attorney for example could not be used by your attorneys to make decisions on your health if you were in hospital, and the Health and Welfare Lasting Power of Attorney could not be used by your attorneys to sell your home to release funds for your care.

A Lasting Power of Attorney cannot be used after the death of the ‘donor’ the person who the document is for. However, in a donor’s lifetime there is no expiry date. The benefit of this is that even if the donor becomes mentally incapable of making their own decisions, having created a Lasting Power of Attorney whilst still having capacity, the document still continues to be valid.

You can appoint anyone to be your attorney. The only requirement is that your attorney is over the age of 18. For example, you can appoint your spouse, your children, other family members and friends. You can also appoint Tollers to be your attorney if necessary. Your attorney should be someone who you trust to manage your affairs and who is willing and able to do this as there could be a lot of work involved for them.

LPAs have to be registered with the Office of the Pubic Guardian before they can be used. Once registered, the Health & Welfare LPA can only be used when you do not have the capacity to make decisions for yourself. The Property & Finance LPA can be used as soon as it has been registered, even if you still have capacity. Your attorneys, on your instruction, can use the Property & Finance LPA, whilst you still have capacity to make the decisions but are unable to act on your decisions for whatever reason.

You have to have mental capacity in order to create an LPA. The LPA is then ready to be used in the event that you lose capacity and cannot deal with your own affairs.

It is not possible to change any details on a Lasting Power of Attorney once it has been registered.

However, if the personal details of yourself or any attorney appointed under a Lasting Power of Attorney change because of a change of address or a change of name, the Office of Public Guardian must be notified.

The original Lasting Power of Attorney must not be amended as it may make it invalid.

Sometimes however it becomes clear or circumstances change such that the person you’ve appointed as your attorney is no longer the right choice or is no longer willing or able to act in your interests.

Fortunately, you can revoke the appointment of an attorney or cancel your Lasting Power of Attorney at any time as long as you have the mental capacity to do so.

The original Lasting Power of Attorney together with the relevant Deed of revocation will need to be sent to the Office of Public Guardian. If the whole of the Lasting Power of Attorney is revoked you will need to consider putting in place a new one to ensure you continue to have an attorney appointed to help you deal with your matters going forward.

If there are concerns of abuse of the LPA, these should be reported to the Office of the Public Guardian who has powers to investigate the abuse and make decisions as to whether the LPA will continue.

To avoid abuse of the LPAs, it would be recommended for the person creating them as well as the attorneys appointed to obtain advise from a qualified legal advisor including how the attorneys make decisions, what decisions they can make and set up some limitations/restrictions.

If you don’t have a valid Lasting Power of Attorney or Enduring Power of Attorney, and you lose mental capacity, someone wishing to act on your behalf may need to apply to the Court of Protection to be appointed as your deputy. This can be a lengthy and expensive process, where the Court of Protection will decide whether any person applying to be your deputy will be suitable for the role.

It is possible for an LPA to be challenged if there are reasonable and genuine grounds for doing so. The LPA may be challenged by the person who created the LPA, the attorneys or notified person or a relative or Local Authority.

Yes, whilst your spouse/civil partner may be your next of kin, it does not grant them an automatic right to manage your affairs. Therefore, it is very important to put the LPAs in place.

There are two different types of Lasting Powers of Attorney (LPA):

One for finance and property:

This LPA usually relates to dealings in respect of the donor’s house, bank accounts, shares, pensions, paying bills etc. It can remain in effect if the person it relates to loses mental capacity at a later date.

One for health and welfare:

This LPA relates to decisions such as where the donor lives, life-sustaining treatment, medical decisions, medication and social care. This document can only be used once the donor has lost capacity.

If someone owns a business or has an interest in a business they can also make an LPA to appoint a suitable person to make decisions concerning their business interests when they are unavailable or lack mental capacity.

The responsibilities of an Attorney include taking reasonable care when making decisions on behalf of the donor. They must act in accordance with the terms of the Lasting Power of Attorney. They have a duty of care, good faith, confidentiality and above all to act in the best interest of the Donor. They should also keep accounts and ensure that the donor’s money and property are kept separate from their own.