Long-term care cost planning

Planning to pay for care

Understand the questions to ask before making decisions about savings, property or income.

Key information to gather

Compare current pension and benefit income with realistic care costs, including extras and possible fee increases.

Seek assessments and verify any available NHS, council or benefits support.

Property treatment and disregards are complex and depend on location and circumstances; get qualified advice.

Selling or transferring assets can have major financial, tax and legal implications. Seek specialist advice first.

Can giving away a home avoid care fees?

Deliberate deprivation of assets rules may apply. Do not transfer assets without independent legal and financial advice.

UK differences: Funding and charging systems vary across the four nations. Check the latest information with your local authority and NHS body.

Browse the guides, write down your questions and use our shared contact page when you are ready.