Recent research by Saga has found that only a third of over 50s say they have held or currently hold a lasting power of attorney for a loved one.

The reason for this could be that people believe organising a lasting power of attorney (LPA) is complex and something that should be left until later in life when they are more likely to need to use it.

Roger Ramsden, chief executive, Saga Services, commented: "Obtaining a lasting power of attorney saves families an enormous amount of heartache when a loved one becomes incapacitated.  For the individual who has granted an LPA it also puts their mind at rest that they will have someone they trust acting on their behalf if the worst happens.  Getting the right advice and support is key."