Should I Get Both Types of LPA?

The Case for Both LPAs

When people ask "should I get both types of LPA?", our answer is almost always yes. Here's why complete protection matters.

What Happens With Only One LPA

Only Property and Financial Affairs LPA

Your attorney can:

✅ Access your bank accounts
✅ Pay your bills
✅ Sell your property
✅ Manage your investments

But they CANNOT:

❌ Choose your care home
❌ Consent to surgery
❌ Make daily care decisions
❌ Decide on life-sustaining treatment

Result: Your finances are protected, but you have no voice in your own healthcare.

Only Health and Welfare LPA

Your attorney can:

✅ Make medical decisions
✅ Choose where you live
✅ Arrange care services
✅ Guide daily care

But they CANNOT:

❌ Access your money to pay for care
❌ Sell your house to fund care home fees
❌ Pay your bills while you're incapacitated
❌ Manage your finances

Result: Your healthcare wishes are covered, but nobody can access funds to pay for your care.

Why Both LPAs Work Together

Real life doesn't separate into neat categories. Consider this common scenario:

Situation: Dad has a stroke and needs to move into a care home.

With both LPAs, his daughter can:

Consent to immediate medical treatment

Choose a suitable care home near the family

Access savings to pay the deposit

Sell the family home to fund ongoing care

Manage all bills while this happens

Make decisions about rehabilitation

Arrange home care if he recovers enough

Without both LPAs: Steps 1, 2, and 6 require Health LPA Steps 3, 4, and 5 require Property LPA Without both, half the necessary actions are blocked.

The Cost Argument

Some people wonder if they can save money by getting just one LPA.

The Numbers

One LPA registration: £92
Both LPAs registration: £164
Difference: just £92

myLPA Pricing

One LPA: From £74
Both LPAs: From £140 (you save)

The Real Cost Comparison

Both LPAs: ~£304 total
Court of Protection Deputyship: £1,800-£4,000+ first year, plus ongoing fees

The small extra investment in complete protection is insignificant compared to the alternative.

When You Need Both Most

Care Home Situations

Care homes require:

Medical consent (Health LPA)
Payment arrangements (Property LPA)
Ongoing care decisions (Health LPA)
Financial management (Property LPA)

Hospital Admissions

Hospitals need:

Treatment consent (Health LPA)
Bill payments continuing at home (Property LPA)
Rehabilitation decisions (Health LPA)
Financial affairs managed (Property LPA)

Long-Term Care

Ongoing care requires:

Care plan decisions (Health LPA)
Funding management (Property LPA)
Lifestyle choices (Health LPA)
Asset protection (Property LPA)

Who Doesn't Need Both?

The only situations where one LPA might be sufficient:

You've already made an Advance Decision covering all healthcare matters and only need financial protection

You have essentially no assets but want healthcare decisions covered

You're making an LPA purely for convenience (helping while travelling) not long-term protection

For everyone else, both LPAs are the sensible choice.

Getting Both LPAs Is Simple

At myLPA, creating both LPAs is straightforward:

One guided process covers both
Same attorneys can be named for both (or different)
One set of witnesses and signatures
Submit both together
Complete protection

Complete Protection Matters

Don't leave gaps in your protection. Life is unpredictable, and having complete coverage means your family can help you fully, whatever happens.

Get Both LPAs Now →