What is a Lasting Power of Attorney?

By Matt Cresswell, Founder at Power of Attorney Online and author of
Everything you ever wanted to know about LPAs (but were afraid to ask)

25th August 2025

Updated: Friday 30th January 2026

What is a Lasting Power of Attorney? is a common question for anyone starting to think about future planning. A Lasting Power of Attorney, often shortened to LPA, is a legal document that lets you appoint someone you trust to make decisions for you if you ever lose mental capacity. It offers clarity and reassurance, helping ensure your finances, health and welfare are managed in line with your wishes, even if you cannot speak for yourself.

What Types of LPA Are There in the UK?

There are two main types of Lasting Power of Attorney. Each serves a specific purpose and ensures your wishes are respected if you cannot make decisions for yourself.

Health and Welfare LPA

A Health and Welfare LPA allows your chosen attorney to make decisions about your:

• Medical care and treatment
• Daily routine and wellbeing
• Where you live
• Life-sustaining treatment, if necessary

This type of LPA only takes effect if you lose mental capacity, for example due to illness, injury, or conditions such as dementia.

Property and Financial Affairs LPA

A Property and Financial Affairs LPA covers your financial and property matters. Your attorney can:

• Pay bills and manage bank accounts
• Collect benefits or pensions
• Handle investments and property transactions

You can choose for this LPA to be used immediately or only if you become unable to manage your finances yourself.

Why You Need a Lasting Power of Attorney

Many people assume their next of kin can automatically make decisions on their behalf. However, without an LPA, loved ones would need to apply to the Court of Protection. This process is often slow, costly and stressful, especially during a crisis.

An LPA ensures you remain in control while you are still capable of making decisions. You decide who can act for you and in what circumstances.

Who Should Have an LPA?

The simple answer is almost everyone. LPAs are not just for older people or those with health issues. Accidents, sudden illness, or unexpected changes can happen at any age. Creating an LPA is a proactive step to protect yourself and your loved ones.

How to Set Up a UK Power of Attorney

You can set up an LPA using the government’s official service or a guided online provider such as Power of Attorney Online. A guided service simplifies the process with clear instructions, real-time checks and support to avoid common mistakes.

Once completed, your LPA must be registered with the Office of the Public Guardian to be legally valid. There is a £92 government registration fee per LPA, though some may qualify for discounts or exemptions.

Common Myths About LPAs

• “I don’t need one until I’m older.” – Capacity can be lost at any age.
• “My family can automatically help me.” – Without an LPA, they have no legal authority.
• “It’s complicated and expensive.” – Guided online services make the process simple, affordable, and stress-free.

Written by Matt Cresswell

Matt Cresswell is the Founder of Power of Attorney Online, a service helping people across England and Wales create Lasting Powers of Attorney through guided online support and expert document reviews. He founded the business following his father's diagnosis with dementia, after experiencing first-hand how confusing the LPA process can be for families. Matt's expertise focuses on Lasting Powers of Attorney, planning ahead and helping families prepare for the future before a crisis occurs.