Do I need both types of LPA?
01st May 2025
The short answer:
Most people benefit from having both a Property & Finance LPA and a Health & Welfare LPA. They cover different decisions - money and property versus medical and care decisions - and only the right one will be valid in each scenario. Setting them up together is cheaper and avoids gaps later.
Updated: Friday 9th January 2026
Many people plan ahead by writing a Will, which is an important step. However, a Will only applies after death. A lasting power of attorney protects you while you are alive. One of the most common questions people ask is “Do I need both types of LPA?” The short answer is yes, because each covers very different decisions.
What are the two types of lasting power of attorney?
In England and Wales, there are two separate types of lasting power of attorney.
A Property and Financial Affairs LPA allows your attorney to manage your money and assets if you cannot do so yourself. This includes paying bills, dealing with banks, managing pensions and handling property matters.
A Health and Welfare LPA allows your attorney to make decisions about your care and medical treatment if you lose mental capacity. This can include decisions about care homes, day to day support and life sustaining treatment.
These LPAs do not overlap. Each one serves a specific purpose.
Why is one type of LPA not enough?
Many people choose to make a Property and Financial Affairs LPA first because it feels more practical. Bills still need to be paid even if you are unwell. However, without a Health and Welfare LPA, your family may not have the legal authority to make decisions about your care.
Healthcare professionals must act in your best interests, but without an LPA they may not be able to follow your preferences if family members disagree. A Health and Welfare LPA gives your chosen attorney the legal right to speak on your behalf.
If you only have a Health and Welfare LPA, your attorney may be able to discuss your care but not access your bank account to pay for it. Having both avoids this gap.
What happens if you only have one LPA in place?
If you lose capacity with only one LPA, your loved ones may still need to apply to the Court of Protection to manage the missing area. This process can be expensive, stressful and slow.
By setting up both LPAs, you reduce the risk of delays, disputes and unnecessary court involvement during an already difficult time.
Who benefits from having both LPAs?
Which LPA is more important? Having both LPAs benefits you and the people you trust. It provides clarity, reduces uncertainty and ensures that decisions about your money and your care are made by the people you chose.
It is particularly important if you own property, have savings or have strong views about your future care.
When should you set up both types of LPA?
The right time is before there is any urgency. LPAs can only be made while you have mental capacity. Illness or accidents can happen at any age, so planning early is sensible.
Completing both LPAs together is usually simpler and more cost effective than doing them separately later on.
Is it difficult to set up both LPAs?
Setting up both LPAs is straightforward, especially with guided online services like Power of Attorney Online that help you complete the forms accurately. Once registered, they remain in place unless you choose to change them.
Making both types of lasting power of attorney is a practical step that offers long term reassurance and real peace of mind.
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