At what age should you make an LPA?
Guidance from Estate Advisory Group
As soon as somebody else would struggle if you could not sign your name. For most people that is far earlier than they think.
The real triggers
- You own a home, run a business or have dependants.
- You are the one who manages the household finances.
- You have a diagnosis, however early — see LPA after a dementia diagnosis.
- You are about to have surgery, or your work carries physical risk.
Why waiting is the risk
Capacity is the only requirement, and it can go overnight
A stroke or a serious accident removes the ability to make an LPA in a single day. After that the only route is a Court of Protection deputyship. See what happens without an LPA.
It sits unused until needed
A registered financial LPA can be limited so it is only used once you lack capacity, and a health and welfare LPA can never be used while you can decide for yourself. Making one early costs you nothing in control.
Common questions
Is 18 too young?
No. Anyone aged 18 or over with capacity can make one, and students studying abroad often do.
Is 90 too late?
No, provided capacity is present. Consider a GP or solicitor as certificate provider to record the assessment.
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This is general information about how Lasting Powers of Attorney work in England and Wales. It is not legal advice about your situation. What we do and do not do.
Published by Estate Advisory Group