Why every young adult should consider a Lasting Power of Attorney (LPA)

For many young adults, turning 18 marks a new chapter; university, a gap year abroad, work placements, or simply the thrill of newfound independence. What most don’t realise is that this milestone also marks a legal shift: your parents or guardians no longer have the automatic right to make decisions on your behalf.

Whether you’re off to study, travel, or take your first steps into the world of work, now is the time to consider putting in place Lasting Powers of Attorney (LPAs), a safety net that ensures someone you trust can act for you if you’re ever unable to make decisions for yourself.

What is an LPA?

A Lasting Power of Attorney is a legal document that lets you appoint one or more trusted individuals (called ‘attorneys’) to make decisions on your behalf if you lose capacity, or if you simply need help managing your affairs.

There are two types:

• Property and Financial Affairs LPA – allows your attorney to manage your bank accounts, pay bills, deal with student loans or tenancy agreements, and more.
• Health and Welfare LPA – allows your attorney to make decisions about your medical treatment and care if you cannot do so yourself.

Why young adults should care

Many people think LPAs are only for the elderly or those with declining health. But if you’re 18 or older, here’s why they matter:

Accidents and illness can happen at any age
A sports injury, a car accident, or a sudden illness could leave you temporarily or permanently unable to manage your own affairs. In these circumstances, no one has the automatic right to access your bank accounts or make medical decisions for you, not even your parents.

You’re living independently
If you’re living away from home at university or overseas on a gap year, LPAs provide peace of mind. If something goes wrong, someone you trust can step in without delay, whether to deal with your landlord, contact your bank, or speak with your doctors.

Avoiding court applications
Without an LPA, if you lose capacity, your family may need to apply to the Court of Protection to act on your behalf. This is a slow, expensive, and emotionally difficult process at a time when swift decisions might be crucial.

Who should you appoint?

Most young adults choose to appoint their parents or a trusted family member as attorneys, but it’s entirely up to you. The key is choosing someone who knows yfou well, understands your values, and will act in your best interests.

What about mental health?

An LPA is especially worth considering if you live with mental health challenges that could temporarily affect your ability to make decisions. Your attorney can step in if needed and step back when you regain capacity.

It’s not just for emergencies

Even if you remain fully capable, a Property and Financial Affairs LPA can be used with your permission; handy if you’re overseas or too busy to deal with paperwork and need someone to help with practicalities back home.

Getting started

Putting LPAs in place is straightforward with the right legal advice. Our team can guide you through the process, help you choose the right attorneys, and ensure your LPAs are correctly drafted and registered.

It’s a sensible step in taking ownership of your adult life, and one of the most responsible things you can do as you embark on your next adventure.

Final thoughts

You insure your phone, your car, and your travel plans; why not your future decision-making? If you’re over 18, you’re not too young to have an LPA. We offer fixed-fee packages and can work around your summer holiday or departure date.