paying for care

If you’re working out how to pay for long-term care – for yourself or a loved one – an impartial care fees adviser can offer unbiased expert advice. Find out more about what they can do for you, how they’re paid and how to choose one that’s right for you. What’s in this guide Where […]

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. […]

Don’t pay for care costs before seeing if you can claim on an existing insurance policy. If you’ve taken out health insurance before, it might be helpful now. Check for insurance policiesCase study   Think carefully. Check whether you, or someone you’re caring for, has any of the following: Life insurance that has a cash-in […]

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, […]

A care needs assessment from your local authority can be the first step towards getting the help and support you need with your everyday life. The aim is to work out how much help you need to enable you to live as independently as possible. What is a care needs (or social care) assessment? If […]

    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 […]

  If you need support with day-to-day tasks, or you need to move into a care home, your local council might help with the costs. How much will depend on your care needs and what you can afford. What’s in this guide What care services do local councils provide?  How to find out if you […]

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 […]

This is when the NHS pays a care home a contribution towards your nursing care. You might qualify if you’re in a care home and receiving care from a registered nurse or doctor. What’s in this guide What is NHS-funded nursing care?  Can I get NHS-funded nursing care?  How does the NHS Nursing Care Contribution […]

  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 […]