Is it possible to avoid care home fees

Informative, in-depth and in the know: get the latest money news with Saga Magazine. This includes savings, income, and your property may be counted as capital after 12 weeks if you move into a care home on a long-term basis. Age UK have a tool that uses location and type of care required to estimate care home costs. Reforms are underway to reduce the likelihood of anyone with ongoing care needs losing their home and all savings.

You may also like What you need to know about signing property over to your children. It could be tempting to give away or sell your house to relatives to avoid the fees to avoid paying the full cost of care. However, this could be seen as 'deliberate deprivation' and the sale reversed, with the power to claim care costs from the person the assets were transferred to. What are the different types of retirement accommodation?

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You may be tempted to put your house into trust in order to avoid care home fees, but don't be too hasty.

By putting your house into trust and naming someone usually your children as the Trustees, you no longer own your house, and should you have to go into care, your property assets would no longer be calculated as part of means testing - however, although that's the logic behind putting your house into trust, in practice it can be a bit more of a minefield.

Your home is not part of your capital and you cannot be required to use it to fund your care fees. Local authority guidance does say, however, that it would be unreasonable for the council to reach this conclusion if you were fit and healthy when you transferred the property. Your income might be enough to pay most or all of your care fees anyway.

It may be that the level of your other capital is sufficient to cover the shortfall between your income and care fees for the likely length of your stay in care. They should look at your particular family, health and financial situation and advise you as an individual.

Schemes which claim to give guaranteed protection to protect your home from care fees which sound too good to be true, may well be just that. Some of this information is very insightful and helpful. However there are parts to it that are incorrect.

The savings thresholds and how they are applied to name one. Contact us today to see how we can help on Have a question or need some help? Call us today on Home Services for you Consumer rights Consumer rights. Consumer issues - goods and services Data protection Human rights and discrimination Professional negligence Consumer rights Freedom of information Legal Advice for Students.

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