Mental disability (and indeed physical disability) can affect anyone regardless of age and is often the result of a stroke, an accident or an illness. Whatever the cause, the effects of mental disability are the same – the person is left incapable of dealing with the financial and other matters that most of us take for granted. If you have Critical Illness cover it is highly recommended that an LPA be prepared at the same time as you may receive a large sum of money but not be in a position to have access to it, for example if it is paid into an account that requires your signature. You may also be unable to manage your affairs for reasons other than mental or physical disability, for example having an accident abroad or having a prolonged stay in hospital.