Why Royal Mail Should No Longer Be Trusted for Anything Important — and Why It Should Just Be Called “Mail”

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Why Royal Mail Should No Longer Be Trusted for Anything Important — and Why It Should Just Be Called “Mail”

The recent chaos at Royal Mail has exposed a simple truth: the service can no longer be relied upon for anything that truly matters. In the West Midlands, particularly in areas like Kidderminster, letters have been piling up for weeks, with postal workers describing sorting offices as resembling a “slaughterhouse” of scattered mail. This is not a minor glitch; it is a systemic failure with real human consequences.

Residents report that vital documents have vanished into the backlog. One elderly person in Kidderminster nearly went without diabetes monitoring equipment because the batteries for their blood‑glucose meter never arrived on time. In Solihull, a family received only two deliveries after Christmas, one of which contained a husband’s cancer‑surgery and scan notifications. Had those letters been delayed even slightly, treatment could have been postponed. Another resident, working in online marketing, almost missed a court deadline because legal papers arrived two weeks late, putting her at risk of a £300 fine and deepening her anxiety.

Royal Mail publicly blames the delays on staff sickness, bad weather, and Christmas parcel overload. It insists that mail is still delivered at least once every other day. Yet postal workers say the opposite is happening: management has ordered them to prioritise parcels over letters, and has refused to approve overtime to clear the backlog. This internal logic—treating urgent correspondence as secondary to commercial parcels—turns the postal service into a profit‑driven logistics arm rather than a public utility.

When healthcare information, court notices, benefit letters, and tax documents are all at the mercy of a system that treats them as low priority, the name “Royal Mail” becomes an uncomfortable irony. The “Royal” prefix suggests stability, tradition, and trust. In practice, it now signals a brand that has failed to adapt, underinvested in infrastructure, and lost public confidence. If the service cannot guarantee timely delivery for life‑affecting items, it should not be allowed to keep a title that implies reliability and prestige.

A simple but symbolic reform would be to strip the name of “Royal” and rebrand it as “Mail” or “UK Mail.” This would reflect the reality: a basic, often unreliable carrier, not a crown‑endorsed institution. More importantly, it would force both the company and the public to treat it for what it is—a fragile, under‑resourced network that should never be the sole channel for critical communications.

Citizens, doctors, courts, and government agencies should stop assuming that “first‑class post” means “safe and timely.” Instead, they should:

• Use tracked courier services for medical and legal documents.

• Rely on secure email or verified portals for government correspondence.

• Treat any Royal Mail delivery as a best‑effort service, not a guarantee.

Until Royal Mail proves it can consistently deliver what matters, it should not be entrusted with anything that affects health, justice, or livelihood. And if it cannot live up to the dignity of its name, it should at least drop the “Royal” and be honest about its true status: just another mail service, not a national institution.

Planning for Your Golden Years: Wills, ADRT, and LPA—What They Cover and Where They Fall Short

 

Planning for Your Golden Years: Wills, ADRT, and LPA—What They Cover and Where They Fall Short

As our population gets older, planning for later life is becoming more and more important. For many seniors, a Will, an Advance Directive to Refuse Treatment (ADRT), and a Lasting Power of Attorney (LPA) are three key legal documents. These papers are designed to handle major life crises and make sure a person's wishes are respected and followed if they become unable to make decisions. However, just having these documents isn't a complete solution. This article explains what these three documents cover and, more importantly, points out the big financial and health risks that a person and their family might still face even with all three in place.

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Major Crises Covered by the Three Documents

1. Dividing Your Estate and Preventing Family Fights: This is a major source of conflict for many families after a senior has passed away.

• Will: This is the most direct solution. It clearly states how your assets (like property, cash, and investments) should be divided and who the beneficiaries are. A valid Will ensures your wealth is passed on according to your wishes, preventing family arguments that can arise from default legal distribution rules. It also names an executor who will handle all legal and financial matters, making things simpler for your family.

2. Medical Decisions When You Can't Make Them Yourself: When a person can't express their wishes due to an illness (like dementia or a stroke) or an accident, medical decisions can become complicated and stressful.

• Advance Directive to Refuse Treatment (ADRT): This document lets you decide in advance if you want to refuse specific life-sustaining treatments, like CPR or a ventilator, if you are in the final stages of a terminal illness. It gives you control over your future medical care while you are still able to decide, taking the burden off your family to make a difficult choice during an emotional time.

• Lasting Power of Attorney (LPA): This document gives a person you trust (your attorney) the authority to make medical and personal care decisions for you. It covers things an ADRT doesn't, like your daily care needs and where you live, ensuring your care is always managed by someone you have chosen.

3. Managing Money If You Become Incapable: When a senior can't manage their bank accounts, investments, or pay bills, their assets could be frozen or misused by others.

• Lasting Power of Attorney (LPA): This is the central document for this issue. It not only covers medical decisions but also gives your attorney the power to handle all of your financial affairs. This includes paying bills, managing investments, and dealing with property. With an LPA, your money can continue to work for you after you lose the ability to manage it, ensuring things run smoothly and preventing your assets from being frozen.

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The Major Gaps in Coverage

Even though Wills, ADRTs, and LPAs offer strong protection for later life, having all three doesn't protect against every risk. Here are the main financial and health risks that a person and their family might still face.

1. The High Cost of Long-Term Care: This is the most common and financially devastating gap.

• Document Limitation: Wills, ADRTs, and LPAs do not pay for the cost of long-term care. They only handle who makes decisions or how assets are distributed; they don't provide a source of funding.

• The Risk: The cost of long-term care, whether at home, in assisted living, or in a nursing home, can be extremely high and quickly use up a person's savings. Even with an LPA giving an attorney the power to manage money, if there aren't enough assets or insurance, these huge costs can put a family in a serious financial bind.

2. The Limited Scope of an ADRT: The legal power of an ADRT is only for life-sustaining treatments and doesn't apply to all medical situations.

• Document Limitation: An ADRT only becomes effective if you cannot communicate and are in a final, irreversible condition. It doesn't apply to non-terminal but serious health issues where you still need someone to make decisions for you, like if you have severe dementia but are not at the end of your life.

• The Risk: Your family might still have to make tough choices about daily medical issues (like whether to have surgery or take a certain medication), which can still cause emotional stress and family tension.

3. The Potential Risks of the Attorney and a Lack of Oversight: An LPA gives a lot of power to an attorney, and this is not without risk.

• Document Limitation: An LPA itself doesn't completely prevent an attorney from misusing their power. While an attorney is legally required to act in your best interest, a lack of oversight or if the attorney is bad at managing money could still lead to assets being mismanaged or misused.

• The Risk: If your attorney acts improperly or is incompetent, your assets could be at risk, even with an LPA in place. This is why it's so important to choose your attorney carefully and keep open communication with family members.

4. The Limitations of a Will: A Will only becomes effective after you die and cannot handle any of your financial or medical needs while you are alive.

• Document Limitation: A Will is very different from an LPA. A Will only deals with matters after death and has no effect on any decisions you need to make while you are alive.

• The Risk: If you don't have an LPA and you lose the ability to manage your affairs, your bank accounts could be frozen. Your family would then have to go through a long and expensive court process to get guardianship, which can cause financial chaos and lead to huge legal fees and time costs.

In short, a Will, ADRT, and LPA are the cornerstones of planning for later life, and they are effective at handling asset distribution after death and decision-making after you lose capacity. However, they aren't a complete solution. To build a truly solid plan for your later years, you must actively face and solve problems like the cost of long-term care and supervising your LPA attorney. By combining these legal documents with long-term care insurance and a strong financial plan, you can fill these gaps and create a more secure future for yourself and your family.