Who would you prefer is legally responsible for making decisions for you...a loved one or a stranger?
If you lose the capacity to manage your own affairs (for example from an accident or illness) you may be surprised to learn that the ability to make crucial life decisions are taken away from you and your family.
Instead, it would be a stranger appointed by the Court of Protection that would make decisions on your behalf, not your spouse, partner, children, parents, siblings or other loved ones and if any wanted to act on your behalf, a long, lengthy and expensive application to the Court of Protection would ensue with absolutely no guarantee of a successful outcome.
Having your Lasting Power of Attorney documents drawn up avoids all this.
Common life decisions that are taken away from you if you lose capacity
Where you live
Who can visit you
The kind of care you should receive
Creature comforts including food and clothing
Accessing bank accounts
Dealing with insurance and utility companies
The sale, rental or access to any property
The ability to refuse life-sustaining treatment.
It'll never happen to me, I'm too young to need one
Even when we are young, we can find ourselves incapacitated owing to illness accident or injury.
*In fact, the third-highest claim on Critical Illness Insurance policies is for a stroke. If you had to make a claim on this, how would you be able to use the payout received to repay your mortgage if the severity of your condition was such that you didn't have the capacity to do this?
At such a troubling time it can be invaluable having a reliable person to manage your well-being and personal affairs.
Ultimately these are documents you will likely end up getting at some point in your life, its just a case of when. The important point to note is that you can't make a Lasting Power of Attorney once you have lost capacity and so, there really is no time like the present.
The two types of Lasting Power of Attorney documents:
Property & Financial Affairs
Pay bills / debts
Handle bank accounts and investments
Arrange and collect state benefits
Instruct for building and repair works on property
Once drafted you can register these now or at a later date, even after losing capacity. Our service includes handling the registration process either now or in the future at no extra cost; you simply pay the Office of the Public Guardian registration fee as it is at the time - currently this is £82 per document, reduced to £41 if your income is below £12K p/a and waived entirely if you are in receipt of qualifying means-tested benefits.
Friendly thorough service from Gary. Helpful advice on a complex set of circumstances. Would highly recommend
Thank you Gary for all the help/information and clear words used to explain everything in simpler terms. You have always been very helpful and very informative in helping me make the right decisions for my Kid's future. Right from Will services down to Funeral plans/wishes. Your services will be recommended…
Pete was so helpful and informative. I have recommended him to my family and friends. Will sorted in 45 minutes and I can rest easy now that my will is securely stored.
Gary was extremely professional and explained each section of the will drafting. His friendly manner put my mum at ease. Would definitely recommend Gary Lewis.
Peter was absolutely fantastic. Giving clear and easy explanations and just gave us exactly what we needed while advising where things could be made better or adjusted. Really pleased with his service as well as the product we have taken. Highly recommend!!
2. We will gather the appropriate information for your Lasting Power of Attorney documents.
3. We send you a summary for you to confirm.
4. Once confirmed, we prepare and send out your original Lasting Power of Attorney documents for signing and we also act as your Certificate Provider.
5. If registering straight away we then handle the application and if not, simply keep the documents stored safely (either with ourselves or your preferred place) so they are available for registration if/when needed.
Pattison James Associates Ltd is an Introducer Appointed Representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited for the purposes of issuing financial promotions and making introductions for the provisions of insurance/protection business. Quilter Financial Services Limited and Quilter Mortgage Planning Limited are authorised and regulated by the Financial Conduct Authority for the provision of advice and services related to regulated insurance and protection business.