We are all living longer, but it is thought that one in four women and one in six men will require Long-Term Care, and unfortunately State Funding for the provision of care is limited.

The assessment for Care involves means testing and those with capital assets in excess of £23,000 will be paying for their own residential and personal care from their assets. If those assets include a house then this may need to be sold and the proceeds together with the other assets utilised until the lower limit of £14,000 is reached.

This  is a complicated area but proper planning at an early stage can help to protect some assets. If Long Term Care is a concern for you then please contact Consensus Wills for a review of your circumstances and appraisal of the courses of action available to you.