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Long Term Care

Whilst we are all living longer, there is greater risk that we live longer in poorer health. In broad terms, if you have more than (£23,250 in England and £50,000 in Wales, you will need to self-fund your own care. This threshold will usually include the value of your home, but it may be disregarded in certain circumstances and certain types of investment are excluded.

Care homes can be expensive and will vary by region. Many people don’t consider what happens if their money runs out or the likelihood of this happening.  We can help you make the right decisions at what can be an unsettling and anxious time. We offer professional, regulated and qualified advice and recommend the best way to fund care from the options available to you. Our care funding specialist, Howard Morris, has been a fully accredited member of the Society of Later Life Advisers since it was set up in 2008.  You can view Howard’s SOLLA profile page here.


Here’s how we can help as regulated qualified later life advisers

  • We offer an initial consultation at no cost to you.
  • We will assess the position and let you know whether we can help and, if so, what we can do. We will then outline what our charges are for our services.
  • Our initial telephone discussion will be to gather as much information as possible. We can meet in person if that’s appropriate.
  • We’ll require financial information about the person requiring care such as details of assets and income.
  • We will check you are receiving everything you are entitled to – even self-funders may be entitled to some benefits.
  • We will consider all the funding options. Options include, but aren’t limited to, NHS funding, investments and Immediate Care Plans (ICP).
  • We will survey the market and obtain quotes from providers of these ICP solutions to determine the most appropriate. This may take some time as the providers will need to obtain medical evidence and assess the details of the person requiring care.


Get in touch

The requirement for care can be a stressful time for all concerned. We hope to help alleviate some of that stress and potentially bring you peace of mind. The earlier we talk to you the better as once capital has eroded by any significant degree it gets more difficult to provide solutions. If you or any of your loved ones are in need of care and self-funding it or considering it, then contact us now to arrange your appraisal.

to find out how we can help you assess your long term care needs, please call us on 01244 539595 or email


In the meantime, you may find some of these websites a useful source of information: 

NHS Continuing Healthcare (CHC) – fully funded:

Expert advice and representation for families in England and Wales who are struggling to navigate the maze of NHS Continuing Healthcare. 

Attendance allowance (DWP and/or and Age UK service

Solicitors for the Elderly – find a solicitor:

Setting up a Lasting Power of Attorney

Independent Age

Age UK

First Stop Care Advice / Elderly Accommodation Council: – Care and Support Statutory Guidance

Finding a care home

Society of Later Life Advisers