In England, Wales and Northern Ireland, if you have a disability or complex medical problem, you might qualify for free NHS continuing healthcare. What is NHS continuing healthcare? If your primary need is a ‘health need’, the NHS is responsible for providing and funding all your needs, even if you’re not in hospital. For example, […]
If you have care needs or a disability – or you’re caring for someone who does – there are benefits to help you manage with the extra costs. Some of these benefits aren’t affected by income or savings, and you might be able to keep them if you have to go into a care home. […]
If you’re not sure how to pay for care, like care home fees, it’s worth getting financial advice. Here’s how a specialist care fees adviser could help, how much they cost and where to find the right one. What’s in this guide What is a specialist care fees adviser? What to expect from a specialist […]
If you need help with long-term care, your local council, or Health and Social Care Trust in Northern Ireland (HSCNI), can provide support. Find out if you qualify for help and how to get a care needs assessment. What’s in this guide Do I qualify for local council, or HSCNI, funding for care costs? What […]
This guide will help you understand NHS continuing healthcare and NHS-funded nursing care or Health and Social Care (HSC) continuing healthcare and HSC-funded nursing care. You’ll learn what these services are and how the NHS, or HSC, decides if you qualify for them. What’s in this guide What is NHS continuing healthcare? Do I qualify […]
Even if you’ve paid National Insurance contributions all your life, you might have to pay towards your long-term care. Find out how the costs are calculated and whether you’ll have to pay. What’s In this guide Working out who is going to pay for long-term care How does a means test work If you’re a […]
If you’re over 65, own your home and need to fund your long-term care, you might be considering a home reversion plan. Here’s how they work and some pros and cons to consider. What’s in this guide What is a home reversion plan? How do home reversion plans work? Key safeguards What are the […]
If you need care, the first step is work out what level you need and if you can afford it. We’ll guide you through the process, including how to check if you qualify for funding. What’s In this guide Sort your finances first Check if you’re entitled to any benefit payments Consider if family could […]
If you need a regular income now to pay for care at home or a care home, an immediate needs annuity (or immediate need care fee payment plan) could be worth looking at. The income from this type of annuity is tax free if it’s paid directly to the care provider. What’s in this guide […]
A deferred payment agreement is an arrangement with your council that lets you use your home’s value to cover care home costs. It lets you delay paying those costs until later, so you don’t have to sell your home right away. When would you use a deferred payment agreement? How does a deferred payment agreement […]