Company Name: ELDERCARE SOLUTIONS LTD

SERVICES: Specialist advice on Care Home fees

CONTACT: Nicky Cave

TELEPHONE: FREEPHONE 0800 034 0294

ADDRESS: Suite 5, Wentworth Lodge, Great North Road, Welwyn Garden City AL8 7SR

Areas Covered include: Manchester, Liverpool, Leeds, Newcastle, Glasgow, Birmingham, Bristol, Cambridge, Cardiff, Northampton, London, Oxford, Coventry, Eastbourne, Brighton, Bournemouth, Norwich, Torquay and all of the UK.

Legislation under section 47 of the Community Care Act states that anyone requiring care will be assessed by their local social services and if that assessment confirms care is required a means test will be carried out, during which you must disclose full details of your assets. These will include property currently or previously owned, whether jointly, or as tenants in common to determine if you or Social Services should pay for care and nursing home fees.

Local government broadly speaking pays your nursing home fees if you have assets of less than £22,250

However if you have been prudent and managed to save for your later years, own your home or have savings it is likely that you will be liable for the majority of your Long Term Care costs.

A Local Authority may exercise its right of investigation to confirm that your home or assets have not been gifted in an attempt at avoiding Nursing Home Fees (known as Deprivation of Assets). They have far reaching powers to recover any assets disposed of in this way including the right to demand the return of those assets.

Consequently, some people will have to contribute towards their care home fees. Your local council will work out how much you may have to pay by doing a financial assessment.

Your financial assessment

Before you move into a care home, you'll have a financial assessment with your local council. The council will look at your income and capital and decide how much you may have to pay towards your care home fees.

Examples of income include:

• interest on your savings
• private and/or State Pension
• some benefits like Pension Credit, Attendance Allowance or the care component of Disability Living Allowance

Your capital might include:

• savings
• investments
• any property you might own (like your home or holiday home, for example)

Before your financial assessment, make sure you're getting all the benefits you're entitled to. This is important because your contribution to your care home fees will be worked out as if you're receiving all relevant benefits.

You can choose a care home that is more expensive than your local council usually pays for a person with your assessed needs, but you may need to find a way to pay the difference.

If the council can suggest a place that meets your needs and you still want to move into a more expensive care home, then they can ask a third party (usually a relative or friend) to pay the extra. This is called a 'top-up fee'. You are not able to pay this yourself as you have been financially assessed to pay what you can afford.

If your local council cannot suggest a place that meets your needs in your local area then they should be prepared to pay more than their usual amount.

At Eldercare their aim is to provide you with information, financial advice and solutions to paying for care of a parent or elderly relative.

Financial certainty and peace of mind

• 56% of adults over 50 have no idea how much long-term care costs or dramatically under estimate it.
• 43% of adults over 50 who have put others into care did not seek funding advice.
• 19% have had to sell all the assets of the person they have put into care.
  

The process of arranging formal care is not easy. Your priority is to make all the right decisions. At Eldercare they will understand your care funding needs and concerns and recommend and implement financial solutions for you. Their aim is to present you with solutions that will give financial certainty and peace of mind to you and your family.

Source: Partnership Assurance

If you have a property to sell for a parent or elderly relative in care Eldercare can help.

They can:

Help with immediate funds to help pay for care fees and ease financial difficulties until the property is sold

Obtain property valuations and provide a marketing report with recommendations

Arrange for gardens and grounds to be maintained

Obtain valuations on accumulated contents and possessions and arrange for disposal and property clearance

Arrange for decorating to improve appearance and speed up sale

Arrange for routine maintenance including draining water systems to prevent freezing and burst pipes

Organise conveyancing

New Solutions to Paying For Care

In four simple steps they will:

• Answer your questions and put your mind at rest
• Understand your care funding needs and concerns
• Research the options available and set them out in an easy to understand Personal Care Report™
• Implement your care funding solutions giving you financial certainty and peace of mind

At Eldercare their aim is to provide you with information, financial advice and solutions to paying for care of a parent or elderly relative.

They will help you make the right decisions, giving financial certainty and peace of mind to you and your family.

Their help is available throughout the UK, so for expert help and advice on funding for care, please give us them a call on Freephone 0800 034 0294

Mouseability certainly recommends Eldercare Solutions

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