A Lasting Power of Attorney (LPA) lets you (Donor) appoint someone (Donee) you trust to make decisions on your behalf, should you ever lose mental capacity — through illness, injury, or age. Without one, your family can't simply step in.

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An LPA, made while you still have full mental capacity, avoids this altogether. You choose who decides, and under what authority — long before that decision is ever needed. It's simpler, more affordable, and only takes effect if capacity is lost.

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The best time to plan is before you need to.