Most of us understand the importance of making a Will to protect our loved ones and ensure our estate is distributed according to our wishes. But what happens if you lose mental capacity while still alive? Who will take care of your finances, healthcare, and responsibilities?
This is where a Lasting Power of Attorney (LPA) becomes essential.
What is a Lasting Power of Attorney?
A Lasting Power of Attorney (LPA) is a legal document that allows you (the donor) to appoint one or more persons (donees) to act on your behalf if you lose mental capacity.
Mental incapacity can result from conditions such as dementia, stroke, brain injury, or even a temporary medical emergency. It can affect anyone — not just the elderly. An LPA ensures that someone you trust can step in quickly to manage your affairs and care decisions without unnecessary delays or legal complications.
Why Make an LPA Now?
Protect your family from stress and delays
Without an LPA, your loved ones will need to apply to court to be appointed as a deputy — a process that is far more expensive, time-consuming, and emotionally draining.
Ensure your welfare and finances are in good hands
With an LPA, your appointed donee can access your bank accounts, pay for medical bills, handle insurance claims, and make important care decisions — all in your best interests.
Choose someone you trust
If you don’t appoint someone in advance, the court may appoint someone you would not have personally chosen. Creating an LPA gives you control and peace of mind.
What Decisions Can My Donee Make?
You can give your donee authority in two areas:
Personal Welfare
- Where you live
- Who you may interact with
- What healthcare you receive
- What you eat, wear, and do daily
Property & Affairs
- Manage bank accounts and investments
- Pay bills and taxes
- Handle property matters (sell, rent, mortgage)
- Provide for your family
- Continue your business or profession
Who Can Be a Donee?
You can appoint:
- Non-professional donees (e.g. spouse, children, close friends)
Must be at least 21 years old and not bankrupt if handling property matters. - Professional donees (e.g. lawyers, accountants, organisations)
Suitable for individuals without close family or who prefer professionals to manage financial affairs.
Note: Professional donees must be registered and paid, and organisations cannot manage personal welfare.
Requirements to Make an LPA
You must:
- Be at least 21 years old
- Have mental capacity at the time of application
- Not be an undischarged bankrupt (if applying for property and affairs powers)
How to Make an LPA in 3 Steps
Step 1: Complete the LPA Form on OPGO
All LPAs are now submitted online via the Office of the Public Guardian’s digital platform: opg.gov.sg.
- Use Form 1 for general powers
- Use Form 2 to customise powers (requires a lawyer)
Step 2: Get the Form Certified
The form must be certified by a lawyer, doctor, or psychiatrist to confirm:
- You understand the LPA
- You are not under pressure or influence
- You have mental capacity at the time
Step 3: Submit and Register
Submit the certified form via OPGO.
There will be a 3-week waiting period for objections. Once approved, your LPA is officially registered.
If You Are a Donee – How to Use the LPA
If your donor loses mental capacity:
- Obtain a medical certificate confirming incapacity
- Present the LPA and certificate to banks, hospitals, or relevant institutions
Each institution may have its own verification process — check with them directly.
Fixed, Transparent Fees
At PKWA Law, we’ve helped thousands of families with their LPAs. Our team of family lawyers is consistently recognised as one of Singapore’s best by publications including:
- The Straits Times
- Benchmark Litigation Asia-Pacific
- Asian Legal Business
- Singapore Business Review
- Doyle’s Guide
We offer a fixed, transparent fee:
