Lasting Powers of Attorney (LPA) are where you give people or family power to look after and make your decisions on your behalf for your health or finances should you be unable to due to physical or mental incapacity.
There are two types of LPA:
or as we call them ‘health’ and ‘wealth’.
Complete LPA and Certify
You must complete the LPA forms (paper or online) when you are of sound mind, naming/appointing people that you would like to look after your affairs and give them general powers or specific powers when looking after your affairs and then have a ‘Certificate Provider’ e.g., your financial adviser, your solicitor or your doctor, to certify that you have made these decisions and appointments of your own free will and are not under any duress or pressure to do so.
Register LPA with Office of the Public Guardian
In England and Wales, your LPAs must be registered with the Office of the Public Guardian (OPG), part of the Court of Protection. You pay a fee to the OPG to register each LPA although if you have lower income or are on benefits, these fees may be waived. The OPG will check that all is on order and then the LPAs are registered as ‘live’ with the OPG. The OPG will then issue:
Organisations Wanting Proof of LPA
For obvious reasons, your bankers, insurers, mortgage company, your doctors etc., will want to see a copy of any LPA before they will allow someone else to act for you. Before July 2020, there was only the original paper copy of the LPA that could be used but now they are available online.
LPA Summary Online – Activation Key
What’s in Your LPA Summary Online?
This is a very similar system to sharing your Driving Licence details if you need to hire a car or test drive, get motor insurance, or prove that what points or endorsements you have on your licence, if any.