Why It Makes Sense to Get Both Types of LPA

01st May 2025

When it comes to planning for the future, a lot of us focus on writing a Will—and that’s great. But there’s another really important bit of planning that often gets overlooked: setting up a Lasting Power of Attorney (LPA). And not just one—both types.

If you’ve heard of LPAs but aren’t sure if you need both, this one’s for you. Because while one LPA is better than none, having both is the best way to make sure your wishes are followed and your loved ones are protected—no matter what life throws your way.

So, what are the two types?

There are two kinds of LPA in England and Wales:

• Property and Financial Affairs LPA – This gives someone you trust the power to manage your money, bills, savings, property, and pensions if you’re unable to do so.
  
  
• Health and Welfare LPA – This lets your chosen person make decisions about your medical treatment, care, daily routine, and even where you live.
  
  

Both cover very different—but equally important—parts of your life.

Why both matter

A lot of people set up a Property & Financial Affairs LPA because it seems more “practical” or “urgent.” After all, if something happens, bills still need to be paid, and someone needs to keep things ticking over. But what about your care? What if you’re in hospital and can’t make decisions about your treatment?

That’s where a Health & Welfare LPA comes in—and it’s just as vital.

Here’s the thing: without both, there’s a real gap in protection. For example, if you only have the financial LPA in place, your attorney could manage your bank account, but wouldn’t have a say in whether you stay at home with care or move into a care home. And if you only have the health one, they could speak up about your care—but not pay your carers.

Having both means your loved ones won’t be left in limbo. They’ll be able to act in your best interests, without jumping through legal hoops or having to apply for court permission during an already stressful time.

It’s about peace of mind—for everyone

Setting up both LPAs is one of the kindest things you can do for the people who care about you. It removes guesswork, avoids conflict, and gives everyone clarity if the unexpected happens.

And the good news? Getting both LPAs done is easy. You can complete the process online, at your own pace, with support along the way. You’ll just need to print, sign, and post the documents for registration—but everything else can be handled from the comfort of your home.

Don’t wait until it’s urgent

LPAs aren’t just for “later in life.” They’re for any time you want to be prepared and make sure your voice is heard—whatever the future holds.

So if you’re thinking of setting one up, consider doing both. It’s a small step that can make a big difference, for you and for those you trust most.