Hemel Hempstead

Family Law Solicitors

Advising the Elderly
Every adult has the right to manage his or her own money and affairs and our team of legal experts are on hand to advise the elderly.

Advising the Elderly

Managing your future

Every adult has the right to manage his or her own money and affairs. Sometimes, however, our ability to do this decreases as we grow older. Whether this is caused by illness, disability, or an accident, there are a number of practical steps we can provide advice on to prepare for this.

If this describes your situation, or that of someone close to you, you should consider contacting us. We can help by encouraging you to get your affairs in order and make your wishes for the future known. This may involve anything from writing a will to choosing someone to take power of attorney (legal authority to act for you) over your financial affairs, if this is necessary.

This can lighten the burden on relatives or carers who might otherwise find it difficult to make complicated decisions on your behalf.

Where there is not enough time to take these precautionary steps, or if a person is already 'incapacitated' (unable to handle their own financial affairs), it is usually the relatives of the person we need to advise. In these circumstances there are a number of options available. We will tell you the best course of action in your case.

What we will need to know

If you are the client, we will need to know:

If you are getting advice on behalf of an older person, we will first need to confirm with the older person that they want to instruct us and get the appropriate information. Once we have had a chance to consider the information, we can explain your options to you. These are as follows.

Lasting power of attorney

A lasting power of attorney carries on, or ‘lasts’, even after you have become unable to manage your affairs - whether temporarily or permanently, or because of an illness, disability or accident. Lasting powers of attorney have now replaced enduring powers of attorney, although valid enduring powers of attorney made before 1 October 2007 can still be used. No new enduring powers of attorney can be made after 1 October 2007.

For a lasting power of attorney to be valid, you must fully understand the implications of the arrangement at the time of making it. A certificate provider will need to sign a certificate to say that you are aware of the implications and that nobody is pressurising you into making a lasting power of attorney. (A certificate provider is someone who has known you for at least two years, or someone with specialist skills in assessing if a person is incapacitated.) The attorney must be at least 18 years old and must not be bankrupt if appointed to make decisions about a person’s property and money. More than one attorney can be appointed at the same time.

Your attorney cannot start making decisions on your behalf until the lasting power of attorney has been registered by the Office of the Public Guardian, who will make sure your attorney is aware of his or her duty to act in your best interests. The Office of the Public Guardian will charge a fee for registering the lasting power of attorney.

There are two types of lasting powers of attorney:

Health and welfare lasting power of attorney

A health and welfare lasting power of attorney can be made to give your attorney the right to make personal welfare and medical treatment decisions on your behalf if at some time in the future you are unable to make those decisions yourself. A health and welfare lasting power of attorney can only be used when it has been registered and the donor has lost capacity (the ability to handle their own affairs).

Property and financial affairs lasting power of attorney

A property and financial affairs lasting power of attorney can be made to give your attorney the right to make financial decisions, such as managing your bank account. Once registered, a property and financial affairs lasting power of attorney can be used while the donor still has capacity, unless the lasting power of attorney specifies otherwise.

Contacting us is the best way to make sure a lasting power of attorney is properly set up and registered, and that it is in the best interests of the donor.

The Court of Protection

If someone is mentally incapable of making a particular decision at a particular time, and they haven’t made a lasting power of attorney, and the decision isn’t one that can be made on an informal basis, the matter can be referred to the Court of Protection. The court may either choose to make the decision itself on the person’s behalf, or choose someone else, known as a ‘deputy’, to make the decision for them.

Where the court appoints a deputy to manage someone’s property and financial affairs on an ongoing basis, the deputy usually has to keep accounts, enter into a security bond, and report to the Office of the Public Guardian. The Court of Protection charges an application fee, and the Office of the Public Guardian charges a yearly fee to cover the cost of supervising the deputy’s work.

Appointeeship

If a person is incapacitated and entitled to receive a retirement pension or other state benefits, the Department for Work and Pensions can choose an ‘appointee’ to receive those benefits on that person’s behalf. The appointee can be a relative, friend or someone from the caring professions (such as the local authority social services department). They will be asked to produce some proof that the claimant is incapacitated, such as a doctor’s certificate. There is no fee involved in this service.

Other financial matters

We can advise on a wide range of other legal matters affecting elderly people. For example:

Please contact Rob Watson to discuss this further.

sfe-logo.jpgOur principal, Robert Watson is a Fully Accredited Member of Solicitors for the Elderly. Out of 130,000 Solicitors in the UK, less than 1% are accredited by SFE making it a very prestigious accreditation. 

Robert has also achieved the OCCP Award, (Older Client Care In Practice Award), from SFE and is a member of the Law Society Private Client Section.

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Registered Office

9-11 Queensway,
Hemel Hempstead,
Hertfordshire,
HP1 1LS

Regulatory

Authorised & Regulated by Solicitors Regulation Authority No 53987.
Principal: Robert Geoffrey Watson

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