Latest News

What Benefits are Available to Help Pay for Long Term Care?

By Mark Gregory - 21st November 2013

If you, or your loved one, are sure to need long term care, determining how to pay for it can be extremely stressful. Long term care can be very costly and is not something for which many consumers are prepared, either financially or emotionally.  Self-funding long term care can often mean depleting savings and assets and worrying about how other necessities will get paid, given the high expense of long term care. However, the State does offer some assistance and...

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What are the National Variations in the Cost of Long Term Care?

By Mark Gregory - 6th November 2013

During the first ten years of devolved government in the UK, there has been an evolution of long term care policy. After review of this evolution, it has been discovered that there are variations, of some significance, in the cost and strategies surrounding long term care in different parts of the UK. This is primarily because constituent nations of the UK have had more autonomy and freedom to undergo different long term care strategies under devolution.  There are some similarities...

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Living Longer and the Impact on the Care System

By Mark Gregory - 6th November 2013

After a recent parliamentary inquiry, details surrounding the currently ageing population and it’s very possible and likely effects on the care system and social services have emerged. The current system would mostly likely be unable to cope with the demands made on the system as the population of citizens over the age of 65 is increasing exponentially. Not only are the ageing population living longer but they are also leading less healthy lives. This means that not only does the...

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How Would I benefit from the Single Assessment Process?

By Mark Gregory - 6th November 2013

The single assessment process is a new way of performing an assessment of those adults who have a social care or healthcare need. It helps make sure that the consumer gets the care services that they need as soon as possible. It does this in several different ways, mainly because it works quite differently than other assessments. It involves several different health and social care organisations working together with the consumer. This is how the process allows the consumer to...

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How Does Longevity Affect the Residential Care System?

By Mark Gregory - 6th November 2013

Consumers are living longer than they ever have in the past. In fact, there are some very striking statistics that have recently emerged regarding the growing population of those consumers over the age of 65. Half of all of those born after the year 2007 are expected to live past the age of 100. Furthermore, the population of those consumers over the age of 85 is expected to double between the years 2010 and 2030 while the number of those...

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What is Disregarded Capital?

By Mark Gregory - 6th November 2013

In years past, it was believed that you could either sell off most of your assets, or gift them to loved ones, so that they would not be included in your means test when trying to get assistance paying for long term care. Therefore, many consumers, and their families believed that they could pass off their assets well ahead of their means test and those assets wouldn’t be included in the assessment by the Local Authority. The idea behind these...

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How Can I Qualify for NHS Continuing Healthcare?

By Mark Gregory - 1st November 2013

NHS Continuing Healthcare is a service for those consumers who have ongoing healthcare needs. This is a treatment plan and package that is completely arranged and funded by the NHS for those individuals who are not in hospital but yet still have some kind of major or ongoing need for healthcare services. If you, or someone close to you, seems to fit this description, it may be worth your while to look into your eligibility for NHS Continuing healthcare. While...

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How will the New Health and Social Care Bill Affect Me?

By Mark Gregory - 1st November 2013

Following the 2010 general coalition, several reforms have been introduced and some already implemented, the centerpiece of which is the Health and Social Care Act 2012.  This reform is set to introduce widespread changes to the way in which NHS in England is organized. Some of these changes have since been implemented. This new reform is charged with improving the overall social care system while reforming and bettering its funding mechanism. It is important for you, as the consumer, to...

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Are you a Long Term Self Funder who Needs Financial Advice?

By Mark Gregory - 1st November 2013

There has been much recent discussion relating to local authorities and their ability, or lack thereof, to independently assess self-funders. There are new reforms currently up for discussion and debate that highlights the difficulties with the practicality and logistics of offering such assessments. There has been recent fear that the system could collapse if local authorities were forced to assess and monitor those who were eligible for the £72,000 cap on care costs. So, as part of recent reports, there...

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Helping you Understand the £72,000 Cap on Long Term Care Costs

By Mark Gregory - 1st November 2013

There has been a lot of recent discussion surrounding the £72,000 cap on long term care costs. However, there are currently several misunderstandings and misconceptions about how this cap will actually affect, you, the consumer and your long term care needs and expenditures. Advisers are tasked and charged with helping their clients, average consumers, understand the true cost of their future long term care as well as planning out how that care will be paid for once needed. This is...

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