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Advice Through The Care Maze

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Ian Francis, Specialist Adviser

Are you confused about the care system?

For many, the care system is complex and confusing, and it is a maze of red tape.

All too often we find "the system" has let our clients down - there are lots of possible parties that should help you along the "care journey", but knowing who to approach, when, why, how, and picking through the reams of paperwork or correspondence you need to get heard - is overwhelming.

You might be looking for help to explain who is responsible for providing and funding care, when and how much.

The responsibility for ensuring that anyone with a care need receives appropriate care and support in an appropriate setting lies with either your Local Authority if your need is primarily a “Social Need”, or partly or wholly with the NHS if you have a “Health Need”.

Regardless of how much income or capital you have, your Local Authority and the NHS should assist in signposting you to sources of information and assistance.

We know for many their experience of the "care system" comes just at a time of greatest stress and emotions.

We know from our experience that it's hard to find the right person to talk to, at the right time, to make sure that no unnecessary care fees are being paid.

We have been there as a family, so we know how it feels to be stuck in the care maze.

The basics of care fees planning

Most people faced with a need for care and support in later life and their families are concerned about the potential cost and what might happen if their savings run out. People worry about protecting the house, looking after a spouse or partner, or leaving an inheritance for children.

If you have been told you need to meet long-term care costs yourself, or if you are arranging care for a friend or relative, you may not know where to start. It can be difficult to find clear guidance on your options, or on the state funding and benefits which may be available to you, particularly if you have intense or complex medical needs.

We specialise in advising people in later life, their families and Attorneys or Deputies acting on their behalf, about the best way to plan for and meet the costs of care.

We also have extensive personal experience, having supported family and friends who have developed significant care needs in later life. We know how difficult it can be to find your way through the system and how determined you need to be. We are able to inform you about your rights and your options and we have a network of professional contacts who can provide further specialist advice and support as and when you need it.

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Need to pay care costs?

Our role is to make your life, at such a stressful time, easier. That's because we:

  • Give advice when paying for care, whether for care at home, or in a care home
  • Check eligibility for NHS or Local Authority support
  • Help with making sure care and financial assessments are done fairly
  • Support to make effective appeals
  • Provide an advocacy service if you would like help with writing letters or having somebody present for these assessments or any appeals.
  • Support attorneys in making decisions for those with Lasting Power of Attorney and unable to help themselves
We answer your questions about paying care fees

No matter how seemingly silly or difficult, our aim is to answer your questions and give you confidence about care fees.

We offer a free, no-obligation, initial telephone consultation for new clients to answer some initial questions and help you with some first steps.
For example:

  • What help should I be getting from the NHS or Local Authority to pay for care fees?
  • How do I complete the Local Authority financial assessment questionnaire?
  • What are the different ways to pay for care?
  • What if I can't afford care home fees - now or in the future?
  • How do I appeal NHS continuing healthcare (CHC) decisions?
  • Do I have to sell my house to pay for care?
  • What can I do as an Attorney with investments and property?

If you would like to set aside more time at a good time of day for you, when we can meet in person, on video, or by phone, whichever is most convenient for you. If you would like to use our services after our initial telephone call then we charge an hourly fee of £150, including travel time. We can also agree on a fixed fee depending on what you need.

What help is available for dementia patients?

A significant amount of social care is delivered to sick and disabled people, whereas the NHS element of their care is 'free' in most circumstances.

This is not so for older people, where, for example, dementia is perceived as a consequence of living to old age - so it is not viewed as a health issue and "treated" as 'social care', so has to be paid for by the user.

So, in many cases, the only source of financial help from the Local Authority is when the condition has become severe, provided your loved one qualifies for any contribution to care fees.

What it means to be SOLLA accredited

As a financial planner accredited by SOLLA (the Society of Later Life Advisers), I know that the transition to elder care happens more smoothly and is often more aligned to the expectations of the individual and their family when plans are made in advance. This includes advanced planning around finances.

It’s often a surprise to people that later-life financial planning is a specialist area within the wider field of financial advice, but it is!

Clients requiring financial planning in their later life benefit from advice that is clear and concise. Such advice comes from an adviser that is suitably qualified and experienced to advise them and manage their financial planning.

This means you can work with an expert in funding care (whether for a care home or in-home care) and other later life financial matters – ensuring that money is one less thing to worry about when arranging for your own short or long-term care, or that of a parent.

We have been advising clients on long-term care, Lasting Powers of Attorney, Will writing and retirement solutions for several years now, backed up not just by professional qualifications but also by the membership of various professional bodies, most notably the Society of Later Life Advisers (SOLLA) and the Personal Finance Society.

What Our Clients Say

"Ian's advice for all our very many questions was exemplary. We are so grateful to have been recommended to speak to him; we were quite worried about the future, regarding money and care, but he just took years off us with a smile and really practical answers. Nothing was too much trouble; if there was correspondence to write, a phone call to make, something we needed to say to somebody; he had everything organised."

Kath and Ted, Grantham

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What's on your mind? Let's talk...

We offer a free, no-obligation, initial telephone consultation for new clients to answer some initial questions and help you with some first steps.

After that, we will then ask if you would like to set aside more time at a good time of day for you, when we can meet in person, on video, or by phone, whichever is most convenient for you.

If you would like to use our services after our initial telephone call then we charge an hourly fee of £150, including travel time. We can also agree on a fixed fee depending on what you need.

Contact Us:

01522 788887

ian@adviceaboutcare.co.uk

Advice About Care Limited

2a Sadler Court

Lincoln

LN6 3RG

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