What is Lasting Power of Attorney?

25th August 2025

Updated:

22nd September 2025

A Lasting Power of Attorney (LPA) is a legal document that lets you appoint someone you trust to make decisions on your behalf if you’re ever unable to do so. It’s about peace of mind, for you and the people who care about you.

There are two main types of Lasting Power of Attorney you can create in the UK. Here’s what they look like:

Health and Welfare LPA Explained

A Health and Welfare LPA gives someone the authority to make decisions about your medical care, daily routine, where you live, and even life-sustaining treatment.

This type of LPA only comes into effect if you lose the ability to make those decisions yourself. For example, due to illness, an accident, or a condition like dementia.

Property and Financial Affairs LPA Explained

A Property and Financial Affairs LPA allows someone you trust to manage your money and assets. This can include:

• Paying bills and managing bank accounts
• Collecting benefits or pensions
• Handling investments and property transactions

You can choose whether this LPA is usable immediately or only if you become unable to manage things yourself.

What a Lasting Power of Attorney Means

Most people think their next of kin can automatically step in to help if something happens. But that’s not how it works. Without an LPA, your loved ones might need to apply to the Court of Protection, which can be time-consuming, expensive and emotionally draining, especially in a crisis.

An LPA puts you in control while you’re still well enough to make the decision. You choose who speaks for you and how.

Who Should Have a Lasting Power of Attorney?

The short answer? Almost everyone.

LPAs aren’t just for the elderly or those in poor health. Accidents, illnesses, or sudden changes can happen to anyone. Having an LPA in place means you’re prepared, just in case.

How to Set Up a UK Power of Attorney

You can make an LPA using the government’s service or through a guided provider like Power of Attorney Online, which simplifies the process with step-by-step support, real-time checks and guidance that avoids common mistakes.

Once completed, the LPA must be registered with the Office of the Public Guardian before it’s valid. There’s a £82 government fee per LPA, though some may qualify for a discount or exemption.

Common Myths About LPAs

• “I don’t need one until I’m older.” Capacity can be lost at any age due to accidents or illness.
• “My family can automatically help me.” Not true. Without an LPA, they have no legal authority.
• “It’s complicated and expensive.” It doesn’t have to be. Services like ours make the process simple, affordable and stress-free.

Ready to take control of your future? Create your Lasting Power of Attorney today with guided support from Power of Attorney Online.