Power of Attorney
In Scotland all persons over the age of 16 are presumed to have "legal capacity". "Legal capacity" is the ability someone has to make decisions for themselves and to look after their own affairs. Of course people may lose these abilities ‐ usually as a result of illness. Where someone loses legal capacity the law provides various ways whereby another person may be granted powers act on behalf of the party who has lost capacity. One of the ways this can be done is for a person himself or herself to anticipate their own future incapacity and to grant powers to a person or persons to act for them when incapacity arises. Powers are granted by signing a document called a "Power of Attorney" (POA).
A POA is a bit like an insurance policy. You hope you'll never need it but if something bad happens, you end up glad you had the foresight to take it out. If incapacity strikes a family member and no POA is in place - that family faces a distressing and possibly expensive process to get powers to act for the person who has lost capacity. Many people think spouses automatically have powers to act for each other if one loses capacity - but that is just not true. The only way to obtain powers over somebody's affairs is to apply to the local sheriff court to become a guardian to that person, or to become an "intervenor". There is a process where you can apply to the Public Guardian to access funds - but that is a limited power to deal with modest issues only, and it will not be sufficient to do the things which need to be done if for example long term illness has struck. Court actions take time and can be expensive and are the last thing most people would want to be involved in when they are already in distress because of the illness which has hit the family. And of course if you have to go to court there is a period of "limbo" where no one has powers to do anything and that can give rise to all sorts of problems. The contrast if a POA is in place could not be clearer. The Attorney can step in immediately and make decisions. Necessary things can be done without the stress of waiting till a court order is granted. If the attorney is a close friend or relative there will be no costs involved and of course the attorney if close to the granter will make decisions knowing what the granter would have wanted. That is an important point - when doing a POA you have chosen who will be making decisions for you. You cannot do that where an application to court is involved - and the person who apples may not be the person you wanted. The simple truth is that families can deal much better with incapacity if a POA is in place.
It is not a particularly difficult, time consuming or expensive process to prepare a POA. Two consultations with a solicitor would generally be enough - the first to consider all the details and for matters to be discussed fully and advice given. Thereafter, a meeting to sign the document is usually all that is required. The POA must then be registered with the Public Guardian who does charge registration fees. Once registered the document may be used if necessary.
Legal Advice and Assistance may be available to pay any legal fees depending on the granter's circumstances. Many pensioners qualify for some legal aid and assessment can quickly be done, at no cost to find this out.
For further information and help please telephone 0800 005 1755.