lasting powers of attorney

Adult Social Care

Are you entitled to an LPA refund?

Did you register a Lasting Power Of Attorney between April 1st 2013 and March 31st 2017?

If you did, you may be owed up to £54.

The Government has introduced a scheme where those that paid the registration fee during the above dates can apply for a partial refund as they were charged more than was needed.

According to the Ministry of Justice, this could affect 1.7million applications.

A Lasting Power Of Attorney is a document that allows you to nominate someone you trust to look after your affairs if ever you lose capacity or are unable to do so.

The two common LPAs are finance and property, and health and welfare (although LCS offers a third; Business LPA).

If you’ve registered both LPAs, you’ll be entitled to a refund of up to £108.

What has happened?

When an LPA is registered, an application fee is charged and paid to the Office of the Public Guardian (OPG).

During 2013 to 2017, the OPG operating costs decreased however the fee stayed the same.

With the fee only used to cover operating costs, the Government has decided to repay the difference plus 0.5% interest to those affected.

You cannot claim if you registered after April 1st 2017 as the fee was reduced on this date.

Only the donor, or the attorney can claim, and the refund will be paid to the donor.

The claim can be processed by contacting the OPG on their helpline 0300 456 0300.

There is currently no deadline, and you can also still claim even if the donor has died.

For more information regarding Powers Of Attorney, contact LCS NOW on 0345 017 8250.


Attorneys And Wills

It is increasingly important to write a Will and to ensure that you have Lasting Powers of Attorney in place.

With Dementia and other illnesses of the brain increasing, it is vital that you put your affairs in order whilst you still have the mental capacity to do so. Whilst you may not succumb to such illnesses, nobody knows what the future brings, it is better to be prepared than to be caught out.

To ensure your affairs are left in the hands of someone you trust, it is imperative that you appoint trusted Executors in your Will and trusted Attorneys in your LPA whilst you still have capacity.

But where do your Attorneys stand when it comes to your Will?

Legally, your Attorney does not have to know what is in your Will, however, it is important that your Attorney is aware of your Will and your wishes surrounding it although they are not allowed to influence your Will or coerce you.

Whilst your Attorney must remain impartial, you may wish to discuss your Will with them to ensure no beneficiary loses out.

Will Access

Your Attorney does not automatically have the right of access to your Will and upon your death your Attorney’s powers cease.

Your Will remains confidential, even after your death, it is your Executors who now have an obligation to maintain your privacy. This privacy remains until after Probate has been granted when your Will becomes accessible to the public.

What If I’m Already Incapacitated?

If you are already lacking mental capacity, someone will need to obtain the legal permission to act for you. In such cases an application to the Court of Protection for someone to become your Deputy is necessary.

Should you lack mental capacity and do not have a Will in place, it is possible to have a Statutory Will which is a Court appointed Will. Prior to this timely and costly procedure, LCS would urge everyone to contact us whilst they are still fit and able. How much better to prepare and have the choices yourself rather than leave to chance and have someone else decide for you.

Although it is difficult thinking about dementia and death, it’s important for the people you leave behind to know that everything is organized to avoid conflicts and potential avoidable losses in inheritance.

It’s also important for you to understand your rights.

For more information regarding LPAs and Wills, contact LCS NOW on 0345 017 8250 and start 2018 with peace of mind, not just for you, but your family too.

Overview of LPAs

A Lasting Power of Attorney (LPA) is a document which allows someone to make decisions on your behalf should you become physically or mentally incapacitated in the future and unable act for yourself. The person / people you appoint to act for you are called Attorneys.

Nobody knows what the future holds, anything can happen and, with one in three people in the UK now developing dementia, it is important that your LPA’s are in place whilst you still have the mental capacity to make them.

One common misconception people have, is that they will have to surrender their right to make their own decisions immediately which is not true, you stay in control until you need help.

LCS offer three different types of LPA:

The Property & Financial Affairs LPA

This allows your Attorney to manage your finances, pay your bills, deal with your pensions, investments and savings, completing tax returns and sell your home.

All LPA’s must be registered with the Office of the Public Guardian before they can be used.

With this LPA, you can choose when your Attorney steps in. For example, if you have mental capacity but cannot physically manage your day to day finances, your Attorney can help you with this. You can opt for restricting your Attorneys so that they can only act once you have lost mental capacity. The problem with this option is that should you have an accident or prolonged illness your Attorneys will not be authorised to help you.

The Health and Welfare LPA

This allows welfare and healthcare decisions to be made on your behalf, for example, where you live, what you wear, health provisions, dentistry, as well as consenting to you undergoing surgery, being kept alive on life support systems and resuscitation. This LPA can only be used once you have lost mental capacity.

The Business Affairs LPA

This LPA allows someone to manage your business interests should you become unable to manage or lose mental capacity in the future.

It is important to appoint your LPAs whilst you still have capacity, as once you lose capacity, your assets become frozen.

If your capacity is already compromised, you will be unable to appoint someone in the “normal way”. Instead, someone will have to make an application to the Court of Protection to become your Deputy in order to make decisions for you.

This is a very long, costly and sometimes stressful process.

Avoid leaving things to chance, give yourself peace of mind this Christmas, contact LCS NOW on 0345 017 8250 and take advantage of our buy one get one half price on all LPA’s

Registration Fees for Lasting Powers of Attorney are Reducing.

All Lasting Powers of Attorney (LPAs) must be registered before they can be used. This process is carried out at the Office of the Public Guardian (OPG) and until recently, this cost £110 per LPA.

It has now been announced that as of 1st April 2017, the cost to register your LPA will now be £82 making a saving of £28!

Despite the registration service becoming more efficient, Ministers are hoping that reducing the fees will encourage more people to take out an LPA, protecting themselves and their future.

For those who have recently submitted an application which is to be paid after 1st April, the difference in price will be refunded and Solicitors have been instructed to return the difference to the person who paid the original fee.

LCS are currently offering a fantastic special offer of 2 for 1 on all LPAs which now makes this too good to miss.

To arrange your appointment, contact LCS now on 0345 017 8250 for peace of mind for you and your family.

Part One: The good news is, we’re all living longer!

How do you feel when you think of old age? Do you see your parents and worry how they will cope as they get older?

With more people enjoying a healthier lifestyle and living into their 80s, not only has life expectancy increased, but the worry of how to pay for care.

Arranging care for members of your closest family can often feel overwhelming. It often succeeds a major traumatic life event and knowing where to begin, can be difficult. People are individuals and their needs are different, so there is no set way to organising care. It is important that the services you choose are flexible and able to adapt to their changing needs. The wisest starting point is assessing their needs at that time and reviewing them regularly. We’ve used the Telegraph Money’s “Guide to Long and Short Term Care” to help you decide. LCS employs an experienced Nurse specialist who can discuss care planning needs with you.

What types of care are available?

Residential Care

These Care Homes offer accommodation, food and personal care. This is suitable for those finding it hard coping at home, and who need more around the clock attention than a carer or family member could provide. Not all these Care Homes will provide specialist help for those suffering from Dementia or other health problems.

Nursing Care

This can be given at someone’s home, or in a Nursing Home. A Nursing Home is similar to a Residential Care Home in what it provides, however qualified Nurses will also be on duty 24 hours per day.

Respite or Short-Stay Care

This is normally taken to give carers a break. The stays are usually four week periods, but may sometimes be less. It is also offered to people recovering from illness or an operation before they return to their own home.

Dementia Care

Dementia, or Dementia related conditions, are the most common reason people require Nursing care. A Nursing Home will usually offer specialist Dementia care.

Specialist Care and Learning Disabilities

Some Care Homes offer specialist care for conditions such as Parkinson’s or Huntington’s and there are also specialist units for people with learning difficulties and who may require more supervision than care.

Palliative Care

These settings are better known as Hospices and specialise in end of life care of those with chronic conditions. Palliative care focuses on controlling pain and symptoms, and looks to improve your quality of life. This often involves a plan being agreed between the individual, their family and the carers.

Taking the First Step

The decision to arrange care for a loved one is never easy. Many people worry about them leaving the family home and the effect this may have on them overall. It’s important to remember that there is a good reason why you are researching additional care. You may be worrying about their safety, whether their home is secure, or whether they are eating and sleeping properly.

With the correct help and care, not only will your loved one’s quality of life increase, but the stress on the family will reduce, allowing you to spend quality time with your relative.

If you’re seriously concerned about your loved one’s mental or physical wellbeing, you can chat to their GP. Bear in mind that although the GP may not be able to discuss your relative specifically due to confidentiality, they will explain the options available and give you detials of your local authority’s adult social services department.

If you’re able, or know you will be, paying most of the fees yourself, you can go directly to Care Homes which is a quicker way to arrange the care. This allows you more freedom to choose. If you’re unsure whether you’re eligible for help with care fees, the local authority can carry out a financial assessment and advise on any help available.

Choosing a Care Home

When choosing a Care Home, it is important to do your research and not be afraid to ask questions about what care and specialist services they provide. Most Care Homes are happy for you to arrange a visit and include a walk around with the opportunity for you to ask any questions you and your family may have.

Think about:

  • Location
  • First impressions
  • Accommodation
  • Grounds, garden and communal spaces
  • Staff
  • Medical care
  • Activities

Call LCS now on 0345 017 8250 to discuss your care planning needs with an experienced Gerontological Nurse Practitioner.

Fruit and Veg

Eat 10 Fruit and Veg a Day: The Secret To A Longer Life.

“An apple a day keeps the Doctor away.” How many times do you remember your parents telling you this?

It has come to light today, that the “five a day” we’ve grown up believing to be healthy, isn’t enough.

Based on findings from 95 studies, researchers are proposing that we need 800g (ten portions) of fruit and vegetables per day to dramatically decrease the risk of disease. Increasing our daily intake to this amoung may reduce your chance of having a stroke by a third and reduce the risk of heart disease by roughly 25%. It has also been suggested that it can delay the onset of heart disease and cancer which, overall, would equate to saving 8 million premature deaths worldwide.

The results found that although eating five portions per day reduced risk, the greatest benefit came from eating ten portions in comparison to those who ate none.

The team also found that to protect against heart disease and stroke, eating foods such as apples, pears, citrus fruit, salad, green leafy vegetables and cruciferous vegetables such as cabbage, broccoli, Kale, cauliflower and Brussel sprouts showed the greatest benefits.

To reduce your risk of cancer, you’re advised to eat a variety of different types and colours of vegetables.

Whilst nutritionists are warning that informing people to eat more portions could potentially add pressure and create “unrealistic expectations”, the study did suggest that even small intakes reduced the associated risks somewhat.

New coins

Are You Ready For The Change Coming In For The £1 Coin?

This is the new 12 sided £1 coin which is due to come into circulation at the end of March 2017.

New £1 coin

The old £1 coin (pictured below) will still be in circulation until October 2017.

old £1 coin

If you are one of our clients who saves £1 coins in a jar or tin for Christmas or other special occasions, please take your old coins to a bank before they go out of circulation to exchange them for the new coins.

Call LCS NOW on 0345 017 8250 to use your old coins to pay for some of our SPECIAL OFFERS.

“Exercise Is Good For You” .. Or Is It?

Can you remember your parents encouraging you to participate in sport? How many of you chose the school football or rugby team? Startling information has arisen that may make you think twice about encouraging your children to do the same.

Reports out this week show new evidence that repeatedly heading a ball may be linked to long-term brain damage. Although small, the study of six players (5 professional, one serious amateur) found that they all developed Dementia in their 60s, some linked to Chronic Traumatic Encephalopathy (CTE).

CTE is a degenerative brain disease, commonly found in athletes who have a history of repetitive brain trauma. It is well known that CTE is found in ex-boxers and upon post mortem, it was found that four of the footballer’s brains had similar changes.

The evidence is slightly tarred however, as the brains did also show signs of Alzheimer’s disease and blood vessel changes.

This comes as a slight blow to the future of British team sport as it studys findings from 2013 that there may be a link between repetitive head injuries and long-term problems in rugby.

There have been two key findings surrounding rugby:

  1. In younger players, repetitive concussions impact negatively on the way the brain functions. This is directly related to the regulation of blood flow in the brain.
  2. Looking at retired International players, it is believed that repetitive concussions impair the way the players remember and formulate ideas.

It has been concluded, that repetitive concussions accelerate brain ageing and increase the risks of Dementia.

Although these findings are scary, and potentially an inevitability for some sportsmen and women already competing, all hope is not lost. It could be argued that a football is now significantly lighter and made from synthetic materials, so the risk is reduced somewhat.

Governing bodies have come a long way in regulating the rules and practices surrounding contact sports and, with more research and improvements in technology, safety and player’s welfare is paramount.

It is never too soon to organise your Lasting Power of Attorney (LPA). LCS offers three types of LPA so contact us now on 0345 017 8250 to appoint yours.

Don’t leave anything to chance.


Give the gift of LCS this Valentines

Give The Gift Of LCS This Valentines!

2016 will be remembered for many things, but one that seems prolific is the number of high profile deaths it encountered.

Although each shocked the world in equal magnitude, one that haunts is the death of music legend Prince. It turns out, Prince died intestate; he never wrote a Will.

So why does this matter?

Already, family disputes and potential taxation issues are looking to eat into most of Prince’s estate. Had he written a Will, it would be clear as to whom he wanted to benefit from his estate. Forward Inheritance Tax planning could have alleviated some of the tax liability and he could have helped some of the humanitarian causes that he had supported during his lifetime.

Sadly, Prince is not in the minority. Far too many people leave it too late, either through simply not bothering, or considering that their estate would automatically go to their spouse or partner. This is not always the case.

Although the laws were amended, unmarried couples are still not legally recognised, and as a result, if you do not have a Will, there is a high risk they won’t inherit anything. For them to automatically inherit, they must be named in your Will, otherwise they have just six months from the date of death to file a claim to the Courts, and this is then left to the Courts to decide upon.

In Prince’s case, the family disputes will require lawyers. This in turn will eat up a huge amount of money, and the taxman will need to take what is due in tax.

If you own anything or have children, you must make a Will. Failure to do so could leave your loved ones unprovided for, and children without Guardians.

We live in an ever-changing society, so make it your Valentines gift to your loved one and make a Will, or review your old Will to ensure it is still up to date and it truly reflects your wishes.

Give the gift of LCS this Valentines and call us now on 0345 017 8250 to make a Will appointment.

Robots may help solve social care crisis

Robots May Help Solve Social Care Crisis.

A fleet of personal robots may be the solution to alleviating pressure on care homes and hospitals.

According to BBC News, academics have reported that robots able to understand aspects of culture and with good bedside manner may help solve the care issue in Britain.

A team is working on robots that will offer support to those in care by helping with tasks such as administering medication, feeding and offering company.

Researchers will assist in building the robots, known as “Pepper Robots”, that can be programmed to complement the person they are assigned to.

Professor Irena Papadopoulos has stated that they “aren’t looking to replace human support, but enhance and complement existing care.”

These culturally sensitive robots are already being used across homes in Japan and the manufacturer, Softbank Robotics, are hoping that the funding provided by the EU and Japanese Government will enable a three-year turnaround.

It is hoped that the robots will help their users to use smart appliances, improving their communication with family and friends. They will also be programmed to communicate as a human would, through speech and gestures, and be designed to recognise symptoms that their elderly user is unwell.

Advinia Healthcare’s executive chairman, Dr Sanjeev Kanoria believes that “robots can support care workers by helping reduce errors in medication and assist them with advanced technology thus helping residents live safer, more independent lives in care and at home.”

Contact LCS on 0345 017 8250 to begin your Care Planning today.