Understanding Your Longterm Care Options

In this second article looking at a person’s long-term care needs we provide more legal tips that will help you or a family member make better decisions regarding your longterm care options. We focus on the core issues relating to putting your affairs in order while you are still able. We also review some of the main factors around safeguarding your assets so they don’t contribute to the financing of your long-term care needs.

Request or Arrange Regular Reviews
A review of your care needs and the services you are receiving should take place at least once a year. Your Care Manager should organise this. The review is similar to the initial assessment and will take into account whether your needs have changed and whether you are still eligible for the services being provided. However, if your situation changes, you should request an earlier review. Many people who go into care will be eligible for a government contribution to cover the nursing element of care. Over a period of time the nursing care needs may increase, so it is essential that you request a review if you think this is the case.

Care In Your Own Home
If you are paying for care at home, then this could delay the need to go into a Care Home. Care Workers can come into your home and help with preparation of meals, dressing and undressing. You could even have full-time care at home or a carer who stays overnight. It is essential that you have your needs assessed before paying for care in your home. If you are cared for at home, the value of your home will not be taken into account when the local authorities are undertaking a means tested assessment. If you are keen to maintain your independence you may want to learn more about our services on getting Care at Home.

Get Legal Advice From A Specialist
It is vital that you plan for your care needs and take professional advice before you require services. If you or a family member are facing the prospect of long-term care then it is essential that you fully understand your entitlements in terms of what the state provides. Unfortunately, many people are not aware of their basic legal entitlements and that is why it is hugely beneficial to speak to a specialist solicitor. Being certain about costs and affordability is essential. Ellen Fay Solicitors in Preston can advise you on all aspects long-term care fee planning and we can help our clients to achieve not only their objectives but also peace of mind.

Get A Power of Attorney
It is essential to get organised early on and put your affairs in order as soon as possible. If you become mentally incapable of managing your own affairs then it would be too late to put in place Power of Attorney. The whole process would then be much more complicated for your family and you may end up with the Court of Protection looking over your shoulder.

Don’t Relinquish Your Assets
Many people want to safeguard their assets and so take steps to remove them from their estate so that they don’t have to sell them to fund the cost of care. If you plan on making a gift you must make sure that you take proper legal advice. It os worth noting that by making a gift, you could risk your own personal security and compromise your standard of living. If you were to transfer your property to your child and subsequently your child became bankrupt, divorced or dies then you could be left without a home. In addition to this, if the local authorities believe that you have deliberately deprived yourself of assets to avoid the property being taken into to pay for the cost of your care then they will be entitled to apply a notional value to the asset and assess you as if you still owned the asset.

Ellen Fay Solicitors in Preston provides legal advice across Lancashire, mainly to elderly clients regarding their longterm care needs. Ellen Fay Solicitors also delivers legal services on all aspects of inheritance tax planning, probate and Wills. If you are looking for specialist legal advice regarding longterm care contact Ellen Fay on 01772 722373 or get in touch via the website at Solicitors in Preston.

If you found this article useful, you may wish to also read ‘ Are You Concerned About Your Long Term Care Needs?