Long Term Care Planning

No one wants to go into a care home but careful planning can lessen the impact on your finances.

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Can I protect my estate from care fees?

Since the introduction of the transferable allowances for inheritance tax were introduced in 2007 for many the need for inheritance tax planning has largely gone away and been replaced by concerns over the rising cost of care and how that will impact on what they can leave to their family. 

There are ways to mitigate the impact of long-term care and we can advise on the most appropriate options given your personal circumstances but this would normally take the form of an updated Will to include a suitable trust rather than a trust created in your lifetime. 

Can I give my house away to avoid paying for care?

This is not advisable and can cause all sorts of problems for both you and for those to whom you have gifted your house. 

‘If it sounds too good to be true, it probably is’

The issue of care home fees is very emotive and there is a great deal of misinformation on line and a large number of companies seeking to prey on the fears of those planning for their retirement.  The idea that you can take assets outside of your estate as far as care fees is concerned whilst still having the use of those assets is wrong and setting up a trust to do precisely this is fraught with problems. 

What other planning is available?

Lifetime mortgages are becoming more popular and may be a viable option for some by releasing capital without selling the property.  This could mean you are able to stay at home with paid for care rather than going into care. 

Will writing, trusts and probate team

For further details of our services, please call a member of our probate and estate administration team on 01543 420000. Alternatively, you can email on: willsandprobate@keelys.co.uk

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