Long Term Care Planning

I specialise in helping people with their care choices, care fee planning and helping to make sense of the care and benefit systems. If you are faced with planning and arranging care and would like a FREE no obligation chat please get in contact.

If you or a relative are struggling to manage with everyday living because of illness or disability, you might need long-term care.

In fact 25% of us will need long term care at some point in our lives.

The law says you are liable to pay all of your care costs if you have even modest assets.

How will I pay for Long Term Care Costs?

If you do not make provisions now a number of things could happen to pay for your Long Term Care fees like:

  • Your home could be sold
  • Any savings and investments could be used up
  • All income would be assessed and used

Your children and grandchildren could lose their entire inheritance.

Whether you’re planning ahead for long-term care, or you need to find a solution urgently, I can give you advice on the entire process, from the way the Local Authority (LA) are likely to means test assess you or your loved ones, through to funding options and exit strategies.

I can help you work out:

  • The best way for you to fund care
  • Which care option best suits your needs
  • How much money you might need for your care

My financial advice means you can:

  • Make a fully-informed decision about the best way to pay for care
  • Be sure that your future care needs and those of your dependents are provided for
  • Make the best use of your income, savings and assets, particularly if you own your home
  • Have a greater choice of care-funding options that you might not have found by yourself
  • Get help with claiming benefits that you could use towards paying for the cost of your care
  • Get expert help with understanding a complex care system, particularly if you’re facing the stress of urgent care needs

With an ageing population, the need for long term care is becoming more prevalent, and it is unfortunate that society’s framework, social services and the financial advice services have not caught up.

We all work very hard over the years to buy our own home and save for our retirement and would like to leave a something to our children and grandchildren after we are gone.

Contact me now to see how I can help you safeguard your assets from Long Term Care costs and protect your children’s inheritance.

How does my service work?

If you have severe health needs the NHS may fund your care. 9 out of 10 clients are responsible for funding their own care fees.

No. Your home may form part of the local authorities means test assessment but there are numerous option available to avoid this scenario.

Unfortunately not. You will need to contribute towards any social care dependent on your situation.

Your savings will form part of the assessment that dictates your contribution towards the cost of your care.

Please be aware that by clicking on the GP Norgate Estate Planning link you are leaving Easy Street Financial Services trading as GP Norgate Financial Solutions website. Please note that Easy Street Financial Services trading as GP Norgate Financial Solutions nor HL Partnership Limited are responsible for the accuracy of the information contained within the GP Norgate Estate Planning site accessible from this page.