Types of LPA

Understanding the two types of Lasting Power of Attorney

There are two types of Lasting Power of Attorney in England and Wales. Each serves a different purpose, and most people benefit from having both.

Property & Financial Affairs LPA

Managing your money and property

This LPA gives your attorney the power to manage your financial affairs. It covers everything to do with your money, property, and finances.

What it covers:

  • Managing bank accounts
  • Paying bills and debts
  • Collecting income and benefits
  • Dealing with tax affairs
  • Selling or renting property
  • Managing investments
  • Claiming pensions
  • Running a business

Key point:

This LPA can be used as soon as it's registered - even while you still have mental capacity - with your consent. Many people find this useful if they struggle to get out, want help managing finances, or simply want a backup.

Health & Welfare LPA

Decisions about your care and treatment

This LPA gives your attorney the power to make decisions about your health and personal welfare. It covers medical treatment, care, and day-to-day decisions about your life.

What it covers:

  • Medical treatment decisions
  • Where you live
  • Day-to-day care
  • Diet and dress
  • Social activities
  • Care home arrangements
  • Contact with others
  • Life-sustaining treatment*

Key point:

This LPA can only be used when you lack mental capacity to make a specific decision yourself. Unlike the Property & Financial LPA, it cannot be used while you can still make your own decisions.

*Life-sustaining treatment decisions are only included if you specifically grant this power.

Key Differences

FeatureProperty & FinancialHealth & Welfare
When can it be used?Anytime after registration (with consent)Only when you lack capacity
What does it cover?Money, property, billsHealthcare, care, where you live
Our price£74£74
OPG registration£92£92

Which Do You Need?

Most people benefit from having both types of LPA. Here's why:

You need Property & Financial if:

  • • You have bank accounts or savings
  • • You own property
  • • You pay bills or have debts
  • • You have a pension or investments

You need Health & Welfare if:

  • • You want someone to make medical decisions
  • • You want input on where you live
  • • You have views on your care
  • • You want to specify life-sustaining treatment wishes

Frequently Asked Questions

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