Care fees planning - the older generation

It is estimated that over a third of people attaining 65 will need some form of care either in a residential care home or in their own home. This care will need to be paid for.

You will have worked much of your life to pay for your home and to build a nest egg and instead of it being left to your children, the assets have to be liquidised in order to pay the care home fees. Every year as many as 70,000 homes have to be sold to meet the liability. If you go into long term care the local authority can seize all but £23,250 of your assets as a contribution to the cost. 

With years of experience in care funding law, the wealth structuring and inheritance planning team can advise you on steps to take to protect your assets in ways which do not contravene the local authority’s deprivation of capital assets rules. Our professional approach will help guide you through the complexities of the rules and ensure, through a variety of measures such as the structure of your Will and the ownership of your assets, that your estate is retained for the benefit of your family.

The local authority primary care trusts use complicated rules and criteria to assess how much you should be paying for elderly care. Due to their complexity the assessments can be wrong which could mean you paying out more than you should. We are able to advise you on whether the assessment carried out is on the correct legal basis and also help you to reclaim money which have been incorrectly paid out in the past.

Working with you and your family we will advise on:

  • The local authority assessment including how income and capital should be dealt with and which assets should be disregarded.
  • Wills and how best to structure them
  • The ownership and management of assets you own jointly and how the local authority should assess them
  • Deferred payment agreements with social services
  • The charging rules for temporary care
  • Lasting Powers of Attorney

Case studies

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Advising the family of a frail and elderly person on achieving full Primary Care Trust nursing home funding. Having successfully achieved this then making an application to the Court of Protection for almost all of the income being generated on the £2...

Meet the team

Partners

Gary Pick
Partner & Head of Private Client Services Group
Private Client
Poole
01202 339032
0779 381 6843
Private Client
Lloyd Thomas
Partner
Private Client
Poole
01202 339019
Private Client
Elizabeth Webbe
Partner
Private Client
Salisbury
01722 426943
07917 710 919
Private Client

Associates

Mihiri Gajraj
Associate & Head of Private Client Southampton
Private Client
Southampton
023 8082 0544
Private Client
James Hammersley
Senior Associate & Head of Private Client Salisbury
Private Client
Salisbury
01722 426952
07467 943446
Private Client
Sarah Richards
Associate and Head of Private Client Poole
Private Client
Poole
01202 339025
Private Client

Solicitors

Holly Algar
Solicitor
Private Client
Southampton
023 8082 0515
Private Client
Derek Bryer
Solicitor
Private Client
Salisbury
01722 426912
Private Client
Gary Cox
Consultant
Private Client
Poole
01202 339049
0782 601 9764
Private Client
Laura Stone
Solicitor
Private Client
Poole
01202 339038
Private Client
Martha Swann
Solicitor
Private Client
Poole
01202 339013
Private Client

Chartered Legal Executives

Jenny Shucksmith
Chartered Legal Executive
Private Client
Salisbury
01722 426973
Private Client

Tax Advisor

Paula Arnold
Trusts & Tax Practitioner
Private Client
Poole
01202 339039
Private Client

Paralegals

Rachel Kent
Paralegal
Private Client
Salisbury
01722 426991
Private Client
Jodie Sainsbury
Paralegal
Private Client
Salisbury
01722 426970
Private Client

Trainee Solicitors

Andrew Campbell
Trainee Solicitor
Private Client
Poole
01202 338555
Private Client
Simi Virdee
Trainee Solicitor
Private Client
Salisbury
01722 426990
Private Client

Legal Secretaries

Sarah Adams
Legal Secretary
Private Client
Salisbury
01722 426941
Private Client
Jane Bilton
Legal Secretary
Private Client
Salisbury
01722 426907
Private Client
Karen Carter
Legal Secretary
Private Client
Southampton
023 8082 0452
Private Client
Sarah Cobb
Legal Secretary
Private Client
Poole
01202 338558
Private Client
Jane Fielding
Legal Secretary
Private Client
Poole
01202 339006
Private Client
Rachael Francis
Legal Secretary
Private Client
Salisbury
01722 426941
Private Client
Ali Malone
Legal Secretary
Private Client
Salisbury
01722 426972
Private Client
Sandra Ross
Legal Secretary
Private Client
Poole
01202 339040
Private Client
Hayley Stack
Legal Secretary
Private Client
Poole
01202 339004
Private Client
Sonja Vine
Legal Secretary
Private Client
Poole
01202 339036
Private Client

General Staff

Helen Glatter
Chartered Accountant
Private Client
Poole
01202 339041
Private Client

Office Administrators

Kristine Neilande
Administrative Assistant
Private Client
Poole
01202 339046
Private Client
Emily Thompson
Administrative Assistant
Private Client
Salisbury
01722 426982
Private Client

First person - Wealth structuring and inheritance planning

Elizabeth Webbe