We've set them up, both for finances and health and welfare.
The thing is, if you leave it until it's actually needed, you might not be in any condition to agree or sign - e.g. a stroke or dementia.
Particularly in the case of dementia, people can and do often become very suspicious as to,other people's motives and refuse - just at the time when it's most needed, because the person has become unable to manage their money. And the health and welfare one is also important for managing any GP/hospital appts. when the person is just going to forget or not want to go.
If there is no LPA in place when it's needed, and the person is not in a condition to be able to agree, you have to go via the Court of Protection, which can take a very long time and is much more expensive. So it can be a major headache when you have more than enough to cope with anyway.
My mother very sensibly set up an old style P of A long before she got dementia, but by the time we needed to activate it, since a large sum of money had already gone missing goodness knows where, she had become very suspicious and thought we wanted to steal her money.
My brother had to get really tough with her but he'd always been 'golden boy' so he managed it somehow.
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