It enables you to plan how your financial affairs, health and wellbeing will be looked after at a time when you can no longer make decisions yourself. It gives you the ability to choose:
- the decisions you want to be made on your behalf if you lose capacity to make them yourself;
- the people you want to make these decisions; and
- how you want those people to make the decisions.
If you don’t have a LPA in place and you become unable to deal with your affairs yourself, then a relative or other appropriate representative would have to make an application to the Court of Protection to be appointed to make decisions on your behalf as your “Deputy”. This can be a costly and time-consuming process. In such circumstances you would have no control over who is appointed to be your Deputy or what decisions he or she can make.
There are two different types of LPA:
Property and Financial Affairs LPA:
This allows your Attorney to deal with your financial affairs and your property. This could include paying bills or selling your home or investments. This type of LPA can also be used whilst you still have capacity to handle your financial affairs and property if needed. An example would be if you were out of the country and needed someone to handle your affairs in your absence.
Health and Welfare LPA:
Unlike a property and financial affairs LPA, this can only be used once you have lost capacity to make your own decisions. Under this type of LPA your Attorney can make decisions on your behalf about your health and welfare if you are unable to do so yourself. Your Attorney could, for example, make decisions about your medical treatment, where you should live and your day-to-day care. Your Attorney can even make decisions about life sustaining treatment if you specifically permit this in the LPA.
You can make one or both types of LPA. Each one must be registered with the Office of the Public Guardian before it can be used by your Attorney.
People involved in making your LPA
There are a number of people who will be involved in the process of making a LPA:
You can choose who you would like to appoint as your Attorney. For example, you could appoint your spouse or partner, child, relative, friend or a professional, provided they are over 18. You can appoint more than one Attorney, and this is usually a good idea in case an Attorney is unable to act at the relevant time.
Where there are two or more Attorneys, you can decide whether they are to act:
- jointly, so that they must act together;
- jointly and severally, so that they may act either together
or independently of each other (a more flexible option); or
- jointly in respect of some matters and jointly and severally
in respect of others.
You can also name a replacement Attorney in the LPA to act if the original Attorney’s appointment is terminated for whatever reason.
In this section of the LPA you can state who you would like to be notified when an application is made to register your LPA. This section is optional. You may specify up to five “named persons” and should ideally name at least two. This is a safeguard to prevent against improper use of the LPA. These people will have the right to object to the registration of the LPA if they have concerns over it or over the identity of your Attorney.
You must select someone to act as a “certificate provider”. This person will complete a certificate contained in the LPA confirming that you understand the LPA and are not under any pressure to make it. The certificate provider can either be someone other than a family member who you have known personally for at least two years or a professional person such as a healthcare professional, a lawyer or social worker. Kate Perry will always offer to act as your Certificate Provider when preparing LPA’s on your behalf.
Cancelling your LPA
If you change your mind about your LPA at some point in the future you can revoke it by signing a short document. If the LPA had been registered then the Office of the Public Guardian will also need to be notified. Your LPA must also be cancelled by your Attorneys if you die.