_edit.png)
Without an LPA, vs. with one
Without an LPA
×
×
×
No one — not even a spouse — has automatic legal authority over your finances
Your family must apply to the Court of Protection for a deputy to be appointed
A slower, more expensive, and more stressful process for your family
With an LPA
✓
✓
✓
Your chosen attorney can act immediately, without a court application
Your wishes on health, care and finances are set out in advance
Real peace of mind for you and whoever steps in to help
Two types of LPA
Health & Welfare LPA
Names someone to make decisions about your care, treatment and living arrangements if you lose the ability to decide for yourself.
Property & Financial Affairs LPA
Lets your attorney manage your bank accounts, bills and property — as narrowly or as widely as you choose.
A health and welfare LPA allows you to name attorneys to make decisions about your healthcare, treatments and living arrangements if you lose the ability to make those decisions yourself. unlike the property and financial affairs LPA this document will only ever become effective if you lack the mental capacity to make decisions yourself.
If you cannot communicate your wishes, you could end up in a care home when you may have preferred to stay in your own home.
You may also receive medical treatment or be put into a nursing home that you would have refused, if only you had the opportunity to express yourself; and this is when your attorney, appointed by the LPA, can speak for you.
A property and financial affairs LPA allows you to name attorneys to deal with your property and financial assets in England and Wales. the document can be restricted so it can only be used if you were to lose mental capacity, or it can be used more widely, such as if you suffer from illness, have mobility issues, or you spend time outside of the UK.
Common Myths, Busted
"My next of kin can automatically make decisions for me."
✓ Without an LPA, no one has automatic authority — even a spouse must apply to the Court of Protection to be appointed deputy.
Legacy Connect
A plan isn't finished the day it's signed.
Legacy Connect is our ongoing membership: your documents stored securely, your plan reviewed as life changes, and our team on hand should your family ever need to act on it.
✓ Secure physical storage for your Will, LPAs and Trust documents
✓ Regular plan reviews as your circumstances change
✓ Support for your family through probate, when the time comes
✓ Online access to our secure portal to view your documents any time