Care Fees Help

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Long Term Care Fees  

Our Pledge

• We'll look after you when you become a client

• We will do exactly what we say we will do and when

• We will not put you in dubious, high risk investment products

• You will never feel under pressure to do something you don't want to

• We are completely independent

• We carry extensive professional liability cover

• We act for you, not an insurance company or bank

Do we sound like your type of adviser? If so, read on then get in touch

If you are about to move to a residential or nursing home, or are acting on behalf of a relative, then we appreciate that the process can be very disruptive and emotionally draining. 

If Care Fees have to be self-funded in whole or in part, then lessening the impact on the available finances is where we can help. We cover all of Norfolk and Suffolk.

There are two common scenarios:-  

• If there are sufficient funds to pay the long term care fees both now and in the future and you are sure that it will last for the lifetime of the person in care, the remaining money will eventually be distributed to the family, or in accordance with your or your relative’s Will.
   

• On the other hand, the care fees for the person requiring long term care might exhaust their funds. This means that there can be no inheritance to pass on, but worse, you or your relative may have to move to an inferior home to continue receiving Local Authority funding. This is likely to be at a time when the resident is at their most frail and vulnerable.

So, what can you do?

There is no "off the peg" solution - we have to consider all the aspects involved and no two situations will be identical; there is also the intangible emotional element which must be considered as well. So, get in touch for a preliminary, free conversation to discuss your requirements. This can be over the phone or in person. This places you under no obligation whatsoever.

We will have a discussion with you to establish a realistic appraisal of you or your relative’s potential life span. Whilst it is perhaps a tendency to assume that we, our parents or grandparents will go on forever (and we naturally don’t want to think of the alternative), there is little point in taking out funding plans that will prove to be an expensive waste of money.

For example, someone admitted to a Nursing Home in their 80’s with severe ill health is unlikely to survive another 3+ years. On the other hand, someone in their 70’s suffering from cognitive impairment may be quite happy at a Residential Home and live happily for many more years.

Other sources of Guidance

The Direct Gov website provides a huge amount of information and links to related agencies, so we haven't  tried to re-create the information you can obtain there. Instead, you can navigate to their site by clicking the icon in the right hand margin.

If you need help with live in care then we can recommend the services of Able Community Care. They are a domiciliary care agency which provides fully supported live-in care packages across the UK. Each person they care for has their own way of life and they work hard to tailor their service to meet each individual's requirements.

Care Fees Help is a trading style of Asset Investment Management Ltd, Drayton Old Lodge, Drayton, Norwich, Norfolk, NR8 6AN
Independent Financial Advisers

Tel 01603 869988

Authorised and Regulated by the Financial Services Authority No 462797. Registered in England and Wales
company registration number 5880144.

Tax advice is not regulated by the Financial Services Authority