Legal & Compliance

Mental Capacity Act 2005: What It Means for LPAs

9 January 2026
9 min read

Mental Capacity Act 2005 Explained

The Mental Capacity Act 2005 (MCA) is the law that governs LPAs in England and Wales. Understanding it helps you know your rights and your attorney's obligations.

What is Mental Capacity?

Mental capacity is the ability to make a specific decision at a specific time.

You Have Capacity If You Can:

  • Understand information relevant to the decision
  • Retain that information long enough to make a decision
  • Weigh up the information to make a choice
  • Communicate your decision (by any means)
  • Important Points:

    • Capacity is decision-specific
    • You might have capacity for simple decisions but not complex ones
    • Capacity can fluctuate
    • A diagnosis doesn't automatically mean incapacity
    • Unwise decisions don't mean incapacity

    The Five Statutory Principles

    The MCA has five principles that everyone must follow:

    Principle 1: Assume Capacity

    "A person must be assumed to have capacity unless it is established that he lacks capacity."

    What it means:

    • Don't assume someone lacks capacity because of age, appearance, condition, or behaviour
    • Capacity must be assessed, not assumed

    Principle 2: Support Decision-Making

    "A person is not to be treated as unable to make a decision unless all practicable steps to help him to do so have been taken without success."

    What it means:

    • Try everything to help someone make their own decision
    • Use simple language, visual aids, good timing
    • Get support from family, interpreters, or advocates

    Principle 3: Right to Make Unwise Decisions

    "A person is not to be treated as unable to make a decision merely because he makes an unwise decision."

    What it means:

    • We all make decisions others think are unwise
    • An unwise decision doesn't prove incapacity
    • Respect autonomy and personal choice

    Principle 4: Best Interests

    "An act done, or decision made, under this Act for or on behalf of a person who lacks capacity must be done, or made, in his best interests."

    What it means:

    • All decisions for someone without capacity must be in their best interests
    • Consider their wishes, beliefs, values
    • Consult people who know them
    • Choose the option they would likely choose

    Principle 5: Less Restrictive Option

    "Before the act is done, or the decision is made, regard must be had to whether the purpose for which it is needed can be as effectively achieved in a way that is less restrictive of the person's rights and freedom of action."

    What it means:

    • Always choose the least restrictive option
    • Preserve freedom and rights where possible
    • Don't take over more than necessary

    How the MCA Affects LPAs

    Making an LPA

    • You need capacity to make an LPA
    • The certificate provider confirms this
    • If in doubt, get a capacity assessment

    Using an LPA

    Your attorney must:
    • Follow all five principles
    • Only act when you lack capacity (Health & Welfare LPA)
    • Always act in your best interests
    • Choose less restrictive options
    • Consider your wishes and feelings

    Challenging an LPA

    The Court of Protection can:
    • Determine whether you had capacity when making the LPA
    • Remove attorneys who breach the MCA
    • Make decisions in your best interests

    Best Interests Checklist

    When attorneys make decisions, they should consider:

    • [ ] The person's past and present wishes
    • [ ] Their beliefs and values
    • [ ] Factors they would consider if able
    • [ ] Views of family and carers
    • [ ] Whether capacity might return
    • [ ] The least restrictive option
    • [ ] Their participation in the decision

    Capacity Assessments

    Who Can Assess Capacity?

    • Anyone can assess for everyday decisions
    • For LPAs, the certificate provider assesses
    • For formal assessments: doctors, psychologists
    • For legal matters: Court of Protection can determine

    What's Assessed?

    • Can they understand the information?
    • Can they retain it?
    • Can they weigh it up?
    • Can they communicate a decision?

    Documentation

    Important capacity decisions should be documented:
    • Who assessed
    • When
    • What the decision was about
    • What the conclusion was
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