Do I really need a Lasting Power of Attorney

When speaking with families in Ormskirk, one thing has become clear: many people don’t fully understand the importance of a Lasting Power of Attorney (LPA). Time and again, clients tell us things like:

• “I’m too young to need an LPA.”
• “My partner can handle things for me if something happens.”
• “It’s just an extra cost I don’t need right now.”

These are common misconceptions, and they leave people vulnerable to unnecessary stress and financial difficulties if the unexpected happens. If you’ve been searching for phrases like “Do I need an LPA?” or “What does an LPA do?”—this guide is for you.

What Happens If You Don’t Have an LPA?

Without an LPA, your family’s hands are tied. If you become unable to make decisions due to illness, accident, or incapacity, no one—not even your spouse or children—has the automatic legal authority to act on your behalf.

In these cases, your loved ones must apply to the Court of Protection for permission to handle your finances, health care, or living arrangements. This process can take months, cost thousands of pounds, and cause unnecessary stress during an already difficult time.

The Most Common Misconceptions About LPAs

Here are some of the most frequent myths we hear from our clients—and the truths behind them:

1. “I’m too young for an LPA.”
   Many people think LPAs are only for the elderly. However, we’ve worked with younger clients who unexpectedly needed someone to step in after a car accident, sudden illness, or even mental health struggles. Life doesn’t give us a warning—an LPA ensures you’re prepared.
2. “My family will take care of everything if I can’t.”
   This is a common assumption, but legally, your family members can’t access your bank accounts, manage your property, or make health decisions without an LPA. Even paying a simple bill becomes complicated.
3. “It’s too expensive to set up.”
   The cost of setting up an LPA is minimal compared to the financial and emotional costs of not having one. At Hexagon Life Planning Services, we offer affordable, transparent pricing to make this vital protection accessible for everyone.

What Does an LPA Cover?

There are two types of LPAs, and both are essential:

• Health and Welfare LPA:
• Decides where you live if you need care.
• Ensures your wishes for medical treatment are followed.
• Covers decisions about your daily care, such as diet and routine.
• Property and Financial Affairs LPA:
• Manages your bank accounts, investments, and pensions.
• Handles property sales or rental agreements.
• Ensures your bills, such as mortgage payments, are taken care of.

Why Ormskirk Families Are Choosing LPAs Now

More families in Ormskirk and West Lancashire are recognising that an LPA isn’t just a legal document—it’s a plan to protect themselves and their loved ones. Recent conversations with our clients highlight some key concerns:

• Care Costs: “What if I need long-term care, and my family can’t access my accounts to pay for it?”
• Business Risks: “Who will make decisions for my business if I can’t?”
• Uncertainty: “I want to make sure my family knows what to do if something happens to me.”

An LPA gives you control and removes uncertainty for those closest to you.

How to Set Up an LPA in Ormskirk

If you’ve been Googling “How do I set up an LPA near me?” or “LPA services in Ormskirk,” you’re in the right place. At Hexagon Life Planning Services, we specialise in helping local families create LPAs tailored to their needs.

Our service includes:

• Home Visits: We come to you, making the process simple and convenient.
• Clear Guidance: We explain every step in plain English.
• Friendly Advisors: Whether you prefer a male or female advisor, we’re here to help.
• Stress Free process- we take control of ALL of your paperwork on your behalf- advising on documents, contacting and obtaining signatures from attorneys, being a point of contact for our clients and their attorneys, liaising with Office of the Public Guardian.  All you need to do is sit back in the knowledge that everything is taken care of for you.

Take Action Before It’s Too Late

Don’t wait until it’s too late to protect your future. Setting up an LPA in Ormskirk is easier and more affordable than you think.