Long term care

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Long term care

Not everyone has to go into care but for some people it isn’t avoidable. Unfortunately, if you have more than £23,250 in Capital and savings then it is more than likely that you will have to pay for all of your social care.

There are different types of care provided for people. This may include residential care or care provided at home. Care provided at home can include home helps, meals on wheels, and informal care provided by friends and family.

Care Home Costs

  • If you need care, whether at home or in a care home, then you should ask the local authority to carry out an assessment. They will assess the level of care you need, and your ability to meet the cost of that care.
  • If you have assets of between £14,250 and £23,250 then it will be assessed as if you have an income. For every £250 over £14,250 you are treated as receiving £1 per week in income.
  • If you have assets of £14,250 or less, your care costs will be paid in full by the Local Authority. You will however, have to contribute all your income apart from an allowance of £24.90 per week which you can keep for personal expenses.

Paying for Care

A lot of people are concerned about paying for the cost of care as they want to pass on as much as possible to their families when they die. Your income will be used first to meet the cost of your care which could be in the form of pensions or investment income. Then your capital will be used to pay for the care. This could include the value of your home.


If you plan for the future you can put steps in place that can preserve your assets for the next generation. Our expert team can provide on the methods available to protect your assets and the most appropriate method to suit you.

For further information about preserving your assets call us at Oliver & Co on 01244 312306.

Sarah Ayliffe

Head of Wills and Probate and Associate Director

Clare Shields

Wills & Probate Solicitor

Sian Jones

Chartered Legal Executive

Danielle Williams

Private Client Solicitor

Hannah Higson

Trainee Solicitor

Felicity Parry

Wills & Probate Paralegal

Vicky Delaney

Legal Assistant

Adam Hazell

Legal Assistant