Protecting your voice with a Lasting Power of Attorney, why Everyone Over 18 Should Consider Putting One in Place
It’s a common misconception that Lasting Powers of Attorney (LPAs) are something to worry about only in later life. However, In reality, LPAs are just as important for younger adults — particularly in today’s world, where unexpected illness or accidents can affect anyone at any time.
Whether you’re 25 or 85, an LPA is one of the most important legal documents you can put in place to protect your future.
Case in Point: When Life Takes an Unexpected Turn
Emma, aged 28, was a fit and healthy marketing executive with no underlying health conditions. After a serious car accident left her in a coma for several weeks, her parents were unable to access her bank account to pay her rent, manage bills, or speak with her employer and medical team about her ongoing care. Despite being next of kin, they had no legal authority to act on her behalf — because Emma hadn’t put a Lasting Power of Attorney in place. Her parents had to apply to the Court of Protection, a process that took months, cost thousands, and added unnecessary stress to an already traumatic time.
Had an LPA been in place, her chosen attorneys would have been able to act immediately — keeping her finances in order and ensuring her care aligned with her wishes.
What Is a Lasting Power of Attorney?
A Lasting Power of Attorney is a legal document that allows you (the “donor”) to appoint one or more trusted individuals (“attorneys”) to make decisions on your behalf if you become unable to do so yourself. There are two distinct types:
- Property & Financial Affairs LPA – Covers decisions about managing your finances, including bank accounts, paying bills, selling property, and handling investments.
- Health & Welfare LPA – Covers decisions around medical treatment, care needs, and day-to-day matters such as diet, living arrangements, and personal welfare. This type only comes into effect if you lose capacity.
Why Younger adults Shouldn’t Delay
1. Accidents and Illness Don’t Discriminate
Sudden accidents or serious illness can happen at any age. Without an LPA, your loved ones may face significant delays and legal hurdles when trying to manage your affairs — even something as simple as paying your rent or speaking to your doctor could be off-limits without formal authority.
2. You Stay in Control
An LPA lets you decide who will step in and how they should act. You can provide guidance on your preferences — from the kind of treatment you’d want, to who should oversee your finances. Without one, decisions may be left to strangers or even the courts.
3. Support for Busy Lives and Growing Assets
Young professionals and students often juggle careers, studies, or growing investments. An LPA allows someone you trust — whether a parent, partner, or professional — to step in if needed. They can manage complex transactions, oversee investments, or simply keep things ticking over during times when you’re unable to.
4. It’s About Peace of Mind
Having an LPA in place gives reassurance that, should the unexpected happen, your affairs will be managed by someone you trust, in line with your wishes. It protects not just your finances and health, but your independence and dignity too.
In Summary
Lasting Powers of Attorney aren’t just for the elderly — they’re an essential safeguard for every adult. Whether you’re fit, healthy, or just starting out in life, having an LPA ensures that you stay in control, your voice is heard, and your future is protected.
It’s one of the simplest but most powerful steps you can take to plan ahead with confidence.