2020 has been dominated by the Covid-19 pandemic.  It's affected us all in one way or another.  Neither military power nor wealth has been able to stop the destructive global spread of this tiny member of the Coronavirus family. Its full human impact and economic cost will not be known for some while to come.

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Elderly relatives may need help for various reasons.  They may be in the early stages of dementia, or have physical or mobility difficulties.   Maybe they’d just prefer if you dealt with matters for them.

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It’s the next of kin who makes that difficult decision, isn’t it?  Surprisingly, the answer is often that the husband, wife, partner or family members may not the ones who make that decision.

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Research* indicates that there is a significant section of society who haven’t even considered the importance of later life planning.  Whilst most of us understand the importance of making a Will (and maybe still haven’t actually got around to making one!) there is much less understanding of the need and uses for making Lasting Powers of Attorneys (LPA). Over a third of respondents had not even heard of an LPA and were unaware of the potential importance it may have for planning their later life.

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This could affect you.

Separate accounts? Separate property? Separate children? These days, it’s not only our families that are more complicated, but also our finances.  It’s quite common for couples to separate their finances, or some of them.  Even if you have joint bank accounts, there may be separate ISAs and savings, credit cards, bills, investments, pensions, etc.  Even if you have a joint bank account, if one of you loses capacity (for example has dementia) the bank can freeze the joint account and ask the remaining partner to apply to the Court of Protection to allow them access to the money.

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