A practical guide for families and carers in the UK
Planning for the future isn’t just about wills and funeral plans, it’s also about who can make important decisions for you if you can’t. That’s where a Lasting Power of Attorney (LPA) comes in.
What is a lasting power of attorney?
A Lasting Power of Attorney is a legal document that lets you choose one or more trusted people, called attorneys, to make decisions on your behalf if you become unable to do so.
There are two main types in England and Wales:
1. Property & financial affairs LPA
This lets your attorneys deal with your money and property, paying bills, managing bank accounts, handling pensions, selling or buying property, and so on. With your permission, it can be used as soon as it’s registered, even if you still have capacity.
2. Health & welfare LPA
This lets your attorneys make decisions about your health and care, such as where you live, what care you receive, or medical treatment. It only comes into effect if you lose mental capacity.
Why you might need one
1. Protect your wishes and autonomy
An LPA means you choose who makes decisions, not a court or strangers. It ensures your money and wellbeing are managed in the way you want.
2. Avoid legal hassles later
Without an LPA, if you lose capacity, for example through dementia, a stroke, or an accident, your family may need to apply to the Court of Protection for the right to act for you. This is longer, more stressful and more expensive than having an LPA already in place.
3. Helps carers and families
For carers or close relatives, having an LPA can reduce stress during difficult times, giving confidence to make decisions about care, housing or finances. It also helps safeguard against fraud and ensures continuity of care.
4. Useful even before old age
You don’t need to be elderly to benefit. Serious illnesses, hospital stays or even long trips abroad can make it harder to handle your affairs, and an LPA gives peace of mind in all situations.
How to create an LPA
You must be over 18 and have mental capacity when you make an LPA.
Step 1: Choose your attorneys
This should be someone trustworthy, family, close friend or professional. You can choose more than one and specify how they should act together.
Step 2: Fill in the LPA forms
You can do this online via the GOV.UK service or on paper. There are guides and support on the government website.
Step 3: Register the LPA
An LPA must be registered with the Office of the Public Guardian (OPG) before it can be used. Correct registration usually takes 8 – 10 weeks, though this can be longer if mistakes are made.
Tip: Incorrect forms are a common reason applications are rejected, taking more time and money to reapply.
Step 4: Tell people and organisations
Once your LPA is registered, tell your bank, GP, care services and others so they know it exists and can accept it when needed.
How much does it cost?
There is a registration fee set by the government. This increased in November 2025, from £82 to £92 (with reduced fees or exemptions for lower‑income individuals).
If affordability is a concern, check GOV.UK for fee reductions or exemptions.
Common questions answered
Can I change or cancel an LPA?
Yes, while you still have mental capacity, you can change or revoke an LPA.
Can attorneys act immediately?
- Property & finance attorneys can act once registered (with your choice).
- Health & welfare attorneys can only act if you lose capacity.
What if I lose the document?
You can request an official copy from the OPG for a fee.
In summary
A Lasting Power of Attorney is one of the most important legal documents you can organise for yourself and your family. It:
- Gives you control over who makes decisions for you
- Avoids stress, delay and extra cost for loved ones
- Supports carers in their role
- Is simple to set up and can bring peace of mind
Whether you’re planning ahead for later life or preparing for unexpected events, an LPA is a practical, caring and wise step for you and your family.