Long Term Care

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What is Long Term Care?

Long term care is the general term used to describe care that is ’permament’, that is, the person that needs that care is usually going to be there for the rest of their life. It differs from palliative care, which is usually given to people who are suffering from a terminal illness with the aim of making their life more comfortable. Long term care is usually expected to be provided over a number of years.

Long term care can be received at your own home or at a care home.

Why is Long Term Care so difficult to fund?

There are two problems. The first is that care is labour-intensive to provide and therefore costly. The second problem is that none of us know our life expectancy and therefore we can never know how long the money that we have will last.

Is it too late to fund Long Term Care?

Most people we talk to have not planned for their long term care. It is almost impossible to plan for long term care!

Almost all of the people we help need care now and need to find a way to use their existing assets to meet their care costs for their lifetime. If this is you, please call us on freephone 0800 078 7430 or complete our enquiry form.

Paying for Long Term Care

If you have assets in excess of £23,250 (England) it is likely that you will need to pay for your own long term care. There are a number of ways of doing this including long term care insurances such as immediate and deferred care plans. Details of the payment options are here, whilst you can access our advice service here.

Long term care could be:

Care at home – Having someone live with you in your home and provide care for you. This is an increasingly popular alternative to moving into a residential care home or even a nursing home.

Residential Care Home– Residential care is normally suitable for you if you are unable to look after yourself but you have no significant medical conditions. Residential care homes can usually help with bathing, dressing, mobility, feeding and using the toilet.

Care Homes with Nursing– Otherwise known as nursing homes these are suitable if you have medical needs that require the regular intervention of a nurse. They are generally more expensive than residential homes, but in most cases you will receive a payment from the NHS towards your nursing costs.

EMI Care Homes – EMI stands for Elderly Mentally Infirm and signifies a home, whether nursing or residential, that has the facilities to provide care to those suffering mental illnesses, such as dementia.

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We trust that you will find carefeesadvice.com useful and informative. We have made every effort to ensure that the information contained is clear, up to date and accurate. However, nothing on this site should be relied upon when making care or financial decisions, nor should anything on this site be regarded as financial advice. Our care fees planning service can provide you with specific help and specialist, care based, independent financial advice. By proceeding through this site you accept that carefeesadvice.com, the Care Fees Advice Agency and Financial Care Consultants Limited cannot be held responsible for any actions you take as a result of the information held on carefeesadvice.com. All information given relates to England. Whilst most of the principles remain the same, some benefits and benefit levels are different in Scotland, Wales and Northern Ireland. We are happy to provide details for these regions on request.

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