{"id":786,"date":"2020-06-19T13:00:25","date_gmt":"2020-06-19T12:00:25","guid":{"rendered":"http:\/\/helpandadvice.co.uk\/?p=786"},"modified":"2024-01-29T11:32:48","modified_gmt":"2024-01-29T11:32:48","slug":"avoiding-care-home-fees","status":"publish","type":"post","link":"https:\/\/helpandadvice.co.uk\/avoiding-care-home-fees\/","title":{"rendered":"AVOIDING CARE HOME FEES | UK"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"786\" class=\"elementor elementor-786\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-68b313a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"68b313a9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2d0a2b1b\" data-id=\"2d0a2b1b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-67183a1c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"67183a1c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-60417eb8\" data-id=\"60417eb8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-49d074f0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"49d074f0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-55ef2228\" data-id=\"55ef2228\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-433da904 elementor-widget elementor-widget-text-editor\" data-id=\"433da904\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 24-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p style=\"text-align: left;\"><strong><span style=\"color: #000000;\">April 2024<\/span><\/strong><\/p><h1 style=\"text-align: center;\">Avoiding Care Home Fees in April 2024<\/h1>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6a7ec4dc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6a7ec4dc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-744cb638\" data-id=\"744cb638\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-48ffa3b5 elementor-widget elementor-widget-text-editor\" data-id=\"48ffa3b5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>This article answers the most frequently asked questions about how to avoid care home fees. It tells you important information about:<\/p><ul><li>Who pays the fees<\/li><li>The average care fees in the UK<\/li><li>What deprivation of assets is<\/li><li>Ways you can protect your house and avoid selling your property<\/li><\/ul><p>It is extremely important to find a specialist adviser for more financial advice and legal advice.<\/p><p>Intentionally trying to avoid care fees will be classed as deprivation of assets, and you will find that the local authorities have been cracking down on this.\u00a0<\/p><p><b>However, there are still things that you can do that could potentially exclude your home from any care fees assessment.<\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6e9799ea elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6e9799ea\" 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.elementor-toc__toggle-button--expand{display:none}.elementor-widget-table-of-contents .elementor-widget-container{min-height:var(--box-min-height);border:var(--box-border-width,1px) solid var(--box-border-color,#9da5ae);border-radius:var(--box-border-radius,3px);background-color:var(--box-background-color);transition:min-height .4s;overflow:hidden}.elementor-toc__header{display:flex;align-items:center;justify-content:space-between;padding:var(--box-padding,20px);background-color:var(--header-background-color);border-bottom:var(--separator-width,1px) solid var(--box-border-color,#9da5ae)}.elementor-toc__header-title{font-size:18px;margin:0;color:var(--header-color)}.elementor-toc__toggle-button{cursor:pointer;display:inline-flex}.elementor-toc__toggle-button i{color:var(--toggle-button-color)}.elementor-toc__toggle-button 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.elementor-toc__list-item-text{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.elementor-toc__list-items--collapsible>.elementor-toc__list-wrapper>.elementor-toc__list-item>.elementor-toc__list-wrapper{display:none}.elementor-toc__heading-anchor{position:absolute}.elementor-toc__body .elementor-toc__list-item-text{color:var(--item-text-color);-webkit-text-decoration:var(--item-text-decoration);text-decoration:var(--item-text-decoration)}.elementor-toc__body .elementor-toc__list-item-text:hover{color:var(--item-text-hover-color);-webkit-text-decoration:var(--item-text-hover-decoration);text-decoration:var(--item-text-hover-decoration)}.elementor-toc__body .elementor-toc__list-item-text.elementor-item-active{color:var(--item-text-active-color);-webkit-text-decoration:var(--item-text-active-decoration);text-decoration:var(--item-text-active-decoration)}ol.elementor-toc__list-wrapper{counter-reset:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item{counter-increment:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item-text-wrapper:before{content:counters(item,\".\") \". \"}<\/style>\t\t<div class=\"elementor-toc__header\">\n\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tTopics that you will find covered on this page\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<svg class=\"elementor-toc__spinner eicon-animation-spin e-font-icon-svg e-eicon-loading\" aria-hidden=\"true\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M500 975V858C696 858 858 696 858 500S696 142 500 142 142 304 142 500H25C25 237 238 25 500 25S975 237 975 500 763 975 500 975Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-656a190f\" data-id=\"656a190f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-102e35fd elementor-widget elementor-widget-text-editor\" data-id=\"102e35fd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<span style=\"color: #000000;\">You can listen to an audio recording of this page below.<\/span>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b34daec elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b34daec\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4868a43b\" data-id=\"4868a43b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2ed0c7be elementor-widget elementor-widget-text-editor\" data-id=\"2ed0c7be\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-24d4c4d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24d4c4d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7bc7c45f\" data-id=\"7bc7c45f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b98fdbe elementor-widget elementor-widget-text-editor\" data-id=\"6b98fdbe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Who pays for care home costs?<\/b><\/h2><p>It may come as surprising news to learn that many people are responsible for paying their full\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/care-home-costs\/\">care home costs.<\/a><\/p><p>A person is responsible for funding their own care if the valuation of their personal assets exceeds the national threshold.<\/p><p>This <a class=\"wpil_keyword_link\" href=\"https:\/\/helpandadvice.co.uk\/how-much-savings-can-i-have-on-housing-benefit\/\"   title=\"savings\" data-wpil-keyword-link=\"linked\">savings<\/a> threshold is different in England and Northern Ireland than it is in Wales or Scotland.<\/p><p>If your assets are over the threshold, you will be classed as a self-funder. You will then be expected to pay your charges in full from your own income, savings account, or property&#8217;s value.<\/p><p>However, even if you are found to be over the threshold and need to self-fund, you might be eligible for other forms of financial help towards paying your fees. For example, you may be able to get support such as:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-699dddcb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"699dddcb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-778be9b0\" data-id=\"778be9b0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-289604a8 elementor-widget elementor-widget-text-editor\" data-id=\"289604a8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1e323e14 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1e323e14\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-75810dec\" data-id=\"75810dec\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-19b8afce elementor-widget elementor-widget-text-editor\" data-id=\"19b8afce\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li><a href=\"https:\/\/www.gov.uk\/attendance-allowance\" target=\"_blank\" rel=\"noopener\">Attendance Allowance<\/a><\/li><li><a href=\"https:\/\/www.gov.uk\/pip\" target=\"_blank\" rel=\"noopener\">Personal Independence Payment<\/a><\/li><li>or<a href=\"https:\/\/www.gov.uk\/carers-allowance\" target=\"_blank\" rel=\"noopener\">\u00a0Carer\u2019s Allowance<\/a>\u00a0if you have a carer.<\/li><\/ul><section class=\"elementor-section elementor-top-section elementor-element elementor-element-4d09f973 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4d09f973\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3ec9ce4b\" data-id=\"3ec9ce4b\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-a7550cf elementor-widget elementor-widget-text-editor\" data-id=\"a7550cf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>You should speak to a financial adviser to get more personalised advice and information. They will be able to discuss your funding options when it comes to paying care fees, give you advice, and help you budget properly.<\/p><p>If you do find that you need to pay your own costs then it is worth looking at an immediate needs care annuity, which covers the cost of care.<\/p><h2>Are next of kin responsible for care home fees?<\/h2><p>Next of kin can not legally be held responsible for payment of a relative\u2019s care home fees. They are only legally responsible if they have signed a contract saying so, they are not automatically financially involved.\u00a0\u00a0<\/p><h2><b>How much savings can you have before you have to pay for care?<\/b><\/h2><\/div><\/div><\/div><\/div><\/div><\/section>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-19b26b5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"19b26b5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-220d216\" data-id=\"220d216\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1dbf944 elementor-widget elementor-widget-text-editor\" data-id=\"1dbf944\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_mobile_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-227073c8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"227073c8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3edf48bb\" data-id=\"3edf48bb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6453d1ee elementor-widget elementor-widget-text-editor\" data-id=\"6453d1ee\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>One common asked question is \u2018how much can you keep before paying for care?&#8217;. The answer to this is that the savings threshold for <a href=\"https:\/\/helpandadvice.co.uk\/live-in-care-for-couples\/\">home care<\/a> fees changes depending on whether you are living in England, Wales, Scotland, or Northern Ireland.<\/p><p>In England and Northern Ireland, the savings threshold is \u00a323,250.<\/p><p>In Wales, the threshold amount is \u00a324,000.<\/p><p>Finally, the savings threshold for the cost of care in Scotland is \u00a327,250.<\/p><h2><b>How much will local authority pay for care home?<\/b><\/h2><p>If your local council has given you a\u00a0<a href=\"https:\/\/www.nhs.uk\/conditions\/social-care-and-support-guide\/help-from-social-services-and-charities\/getting-a-needs-assessment\/\" target=\"_blank\" rel=\"noopener\">care needs assessment<\/a>\u00a0and found that you are in need of a care home place, then local authorities will also arrange for you to have a financial assessment or means test. This is so that the local authority can calculate how much financial support you are eligible for.<\/p><p>The areas they will look at during this means test include:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6711ec3d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6711ec3d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-24f07bf7\" data-id=\"24f07bf7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67093faf elementor-widget elementor-widget-text-editor\" data-id=\"67093faf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_mobile_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3813b3ae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3813b3ae\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-37893c1e\" data-id=\"37893c1e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79761e19 elementor-widget elementor-widget-text-editor\" data-id=\"79761e19\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>your savings<\/li><li>your income<\/li><li>any other financial capital including investments<\/li><li>in some cases, your family home and property<\/li><\/ul><section class=\"elementor-section elementor-top-section elementor-element elementor-element-155cd1c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"155cd1c\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-56f81561\" data-id=\"56f81561\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-60a0006f elementor-widget elementor-widget-text-editor\" data-id=\"60a0006f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>If you are moving into long-term care, the value of your house will also be included in the financial assessment.<a href=\"https:\/\/www.ageuk.org.uk\/information-advice\/care\/paying-for-care\/paying-for-a-care-home\/do-i-have-to-sell-my-home-to-pay-for-care\/\" target=\"_blank\" rel=\"noopener\">Your family home property will not be included in the means test calculation if<\/a> you only need a short-term stay, or if there is another family member still living in the house, such as a partner or a child under age 18 years old.<\/p><p>After the council has received an estimate of your capital from the assessment, you will be deemed either eligible or ineligible for authority funding.<\/p><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-1c3e52d3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1c3e52d3\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-18ead58a\" data-id=\"18ead58a\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-7c68165f elementor-widget elementor-widget-text-editor\" data-id=\"7c68165f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>In some cases, local authorities may be prepared to pay for your fees, but not fund the full cost of your preferred destination.<\/p><p>If this happens, a third party such as a friend or family member may wish to contribute money towards the rest of the cost of care home fees to help you. This \u2018third-party top-up fee\u2019 would be provided to cover the differences between what the council is offering to pay and your total care costs.<\/p><\/div><\/div><\/div><\/div><\/div><\/section>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5611b277 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5611b277\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-57c014d7\" data-id=\"57c014d7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-15564c22 elementor-widget elementor-widget-text-editor\" data-id=\"15564c22\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-45d026f6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"45d026f6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-20a7abf\" data-id=\"20a7abf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-41e9e707 elementor-widget elementor-widget-text-editor\" data-id=\"41e9e707\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>What are the average care home fees in the UK?<\/b><\/h2><p>In 2019, the <a href=\"https:\/\/www.payingforcare.org\/how-much-does-care-cost\/\" target=\"_blank\" rel=\"noopener\">average care home<\/a>\u00a0charges in the UK was \u00a333,852 per year.\u00a0 Nursing UK fees are even more expensive, averaging at \u00a347,320 per year.<\/p><p>The amount you will need to spend on care costs depends on:<\/p><ul><li>Your care needs and the level of support you require. For example, nursing prices are higher than for a standard care place.<\/li><li>The quality of the care home that you are using. Higher quality care homes tend to be more expensive, but you may have more comfortable surroundings and get nicer meals.<\/li><li>The exact region where you <a href=\"https:\/\/helpandadvice.co.uk\/how-to-live-cheaply-uk\/\">live in the UK<\/a><\/li><\/ul><p>Costs per week vary considerably between regions.<\/p><p>For example,<a href=\"https:\/\/www.ageuk.org.uk\/information-advice\/care\/paying-for-care\/paying-for-a-care-home\/\" target=\"_blank\" rel=\"noopener\">research<\/a>\u00a0showed that expenses in London had a weighted average of over \u00a3700 per week. At the same time, residential care fees were only just above \u00a3500 a week in the North West of England.<\/p><p>For more advice on how fees vary across regions, you can use this <a href=\"https:\/\/www.which.co.uk\/later-life-care\/financing-care\/cost-of-care-and-eligibility-checker\" target=\"_blank\" rel=\"noopener\">calculator<\/a>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7e7b6e7d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e7b6e7d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1efa3bed\" data-id=\"1efa3bed\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28d1d132 elementor-widget elementor-widget-text-editor\" data-id=\"28d1d132\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6a86e639 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6a86e639\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3b56a813\" data-id=\"3b56a813\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a44942a elementor-blockquote--skin-quotation elementor-blockquote--align-center elementor-blockquote--button-view-icon-text elementor-blockquote--button-skin-classic elementor-blockquote--button-color-official elementor-widget elementor-widget-blockquote\" data-id=\"4a44942a\" data-element_type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor-pro - v3.12.2 - 09-04-2023 *\/\n@charset \"UTF-8\";.entry-content blockquote.elementor-blockquote:not(.alignright):not(.alignleft),.entry-summary blockquote.elementor-blockquote{margin-right:0;margin-left:0}.elementor-widget-blockquote blockquote{margin:0;padding:0;outline:0;font-size:100%;vertical-align:baseline;background:transparent;quotes:none;border:0;font-style:normal;color:#3a3f45}.elementor-widget-blockquote blockquote .e-q-footer:after,.elementor-widget-blockquote blockquote .e-q-footer:before,.elementor-widget-blockquote blockquote:after,.elementor-widget-blockquote blockquote:before,.elementor-widget-blockquote blockquote cite:after,.elementor-widget-blockquote blockquote cite:before{content:none}.elementor-blockquote{transition:.3s}.elementor-blockquote__author,.elementor-blockquote__content{margin-bottom:0;font-style:normal}.elementor-blockquote__author{font-weight:700}.elementor-blockquote .e-q-footer{margin-top:12px;display:flex;justify-content:space-between}.elementor-blockquote__tweet-button{display:flex;transition:.3s;color:#1da1f2;align-self:flex-end;line-height:1;position:relative;width:-moz-max-content;width:max-content}.elementor-blockquote__tweet-button:hover{color:#0967a0}.elementor-blockquote__tweet-button span{font-weight:600}.elementor-blockquote__tweet-button i,.elementor-blockquote__tweet-button span{vertical-align:middle}.elementor-blockquote__tweet-button i+span,.elementor-blockquote__tweet-button svg+span{margin-left:.5em}.elementor-blockquote__tweet-button svg{fill:#1da1f2;height:1em;width:1em}.elementor-blockquote__tweet-label{white-space:pre-wrap}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button{padding:.7em 1.2em;border-radius:100em;background-color:#1da1f2;color:#fff;font-size:15px}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button:hover,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button:hover{background-color:#0967a0;color:#fff}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button:hover:before,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button:hover:before{border-right-color:#0967a0}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button svg,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button svg{fill:#fff;height:1em;width:1em}.elementor-blockquote--button-skin-bubble.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button,.elementor-blockquote--button-skin-classic.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button{padding:0;width:2em;height:2em}.elementor-blockquote--button-skin-bubble.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button i,.elementor-blockquote--button-skin-classic.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button i{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%)}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button:before{content:\"\";border:.5em solid transparent;border-right-color:#1da1f2;position:absolute;left:-.8em;top:50%;transform:translateY(-50%) scaleY(.65);transition:.3s}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-left .elementor-blockquote__tweet-button:before{right:auto;left:-.8em;border-right-color:#1da1f2;border-left-color:transparent}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-left .elementor-blockquote__tweet-button:hover:before{border-right-color:#0967a0}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-right .elementor-blockquote__tweet-button:before{left:auto;right:-.8em;border-right-color:transparent;border-left-color:#1da1f2}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-right .elementor-blockquote__tweet-button:hover:before{border-left-color:#0967a0}.elementor-blockquote--skin-boxed .elementor-blockquote{background-color:#f9fafa;padding:30px}.elementor-blockquote--skin-border .elementor-blockquote{border-color:#f9fafa;border-left:7px #f9fafa;border-style:solid;padding-left:20px}.elementor-blockquote--skin-quotation .elementor-blockquote:before{content:\"\u201c\";font-size:100px;color:#f9fafa;font-family:Times New Roman,Times,serif;font-weight:900;line-height:1;display:block;height:.6em}.elementor-blockquote--skin-quotation .elementor-blockquote__content{margin-top:15px}.elementor-blockquote--align-left .elementor-blockquote__content{text-align:left}.elementor-blockquote--align-left .elementor-blockquote .e-q-footer{flex-direction:row}.elementor-blockquote--align-right .elementor-blockquote__content{text-align:right}.elementor-blockquote--align-right .elementor-blockquote .e-q-footer{flex-direction:row-reverse}.elementor-blockquote--align-center .elementor-blockquote{text-align:center}.elementor-blockquote--align-center .elementor-blockquote .e-q-footer,.elementor-blockquote--align-center .elementor-blockquote__author{display:block}.elementor-blockquote--align-center .elementor-blockquote__tweet-button{margin-right:auto;margin-left:auto}<\/style>\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\t\"There is currently no cap for the costs of residential care home in the UK and many people are shocked to discover the news that they may need to pay over \u00a3100,00 for their care.\"\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"e-q-footer\">\n\t\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-blockquote__author\">Help & Advice<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twitter.com\/intent\/tweet?text=%22There+is+currently+no+cap+for+the+costs+of+residential+care+home+in+the+UK+and+many+people+are+shocked+to+discover+the+news+that+they+may+need+to+pay+over+%C2%A3100%2C00+for+their+care.%22+%E2%80%94+Help+&amp;Advice&amp;url=https%3A%2F%2Fhelpandadvice.co.uk%2Fwp-json%2Fwp%2Fv2%2Fposts%2F786\" class=\"elementor-blockquote__tweet-button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M459.37 151.716c.325 4.548.325 9.097.325 13.645 0 138.72-105.583 298.558-298.558 298.558-59.452 0-114.68-17.219-161.137-47.106 8.447.974 16.568 1.299 25.34 1.299 49.055 0 94.213-16.568 130.274-44.832-46.132-.975-84.792-31.188-98.112-72.772 6.498.974 12.995 1.624 19.818 1.624 9.421 0 18.843-1.3 27.614-3.573-48.081-9.747-84.143-51.98-84.143-102.985v-1.299c13.969 7.797 30.214 12.67 47.431 13.319-28.264-18.843-46.781-51.005-46.781-87.391 0-19.492 5.197-37.36 14.294-52.954 51.655 63.675 129.3 105.258 216.365 109.807-1.624-7.797-2.599-15.918-2.599-24.04 0-57.828 46.782-104.934 104.934-104.934 30.213 0 57.502 12.67 76.67 33.137 23.715-4.548 46.456-13.32 66.599-25.34-7.798 24.366-24.366 44.833-46.132 57.827 21.117-2.273 41.584-8.122 60.426-16.243-14.292 20.791-32.161 39.308-52.628 54.253z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-blockquote__tweet-label\">Tweet<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5a1e6b96\" data-id=\"5a1e6b96\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-23581496 elementor-widget elementor-widget-text-editor\" data-id=\"23581496\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Is there a care home fees cap?<\/b><\/h2><p>There is currently no cap for the costs of residential care home in the UK and many people are shocked to discover the news that they <a href=\"https:\/\/ukcareguide.co.uk\/paying-for-care\/\" target=\"_blank\" rel=\"noopener\">may need to pay over \u00a3100,00 for their care<\/a>.<\/p><p>However, if you are self-funding and the value of your assets and capital ever begins to run below the \u00a323,250 savings threshold, you can request a new assessment from the local council.<\/p><p>So, if you expect that your finances will\u00a0 fall bellow the threshold within the next few months, then you should get in touch with the local authority.<\/p><p>The local authority should organise a means test for you quickly so that you don\u2019t end up spending more money than you have to.<\/p><h2><b>What is deprivation of assets?<\/b><\/h2><p>Deliberate deprivation of assets is when you try to decrease the total valuation of your wealth so that you don\u2019t have to self-fund the care you need.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1a5b5554 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1a5b5554\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-19f3485f\" data-id=\"19f3485f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-29f7be64 elementor-widget elementor-widget-text-editor\" data-id=\"29f7be64\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-457da7b9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"457da7b9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-518d6ab9\" data-id=\"518d6ab9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e0c6c92 elementor-widget elementor-widget-text-editor\" data-id=\"6e0c6c92\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>There is no limit to how far back the local authority can look to work our whether any care home fee avoidance has taken place. If the council concludes that you intentionally reduced your income, property or savings, then they might calculate how much you need to put towards the cost of your care home as if you still had the money you spent or gave away.<\/p><p>So, if you try to avoid care fees you may end up being required to spend more money than you can actually afford.<\/p><p>There are multiple behaviours that could be classed as a way of intentionally reducing your money to avoid care fees:<\/p><ul><li>Giving away of a large lump sum of money to a loved one<\/li><li>Gambling away your money<\/li><li>Suddenly making lots of purchases in an uncharacteristic way, either as gifts or for yourself<\/li><li>Spending lots of money on a holiday<\/li><li>Signing house over to avoid care costs by transferring the property deeds of your family home to another member of your family.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2c8fdf82 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c8fdf82\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-74545793\" data-id=\"74545793\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-790deaa elementor-widget elementor-widget-text-editor\" data-id=\"790deaa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_mobile_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9c3ee7d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9c3ee7d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-11c67479\" data-id=\"11c67479\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2c558cd1 elementor-widget elementor-widget-text-editor\" data-id=\"2c558cd1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-283c8b42 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"283c8b42\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7d44cb0f\" data-id=\"7d44cb0f\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-67cd7f68 elementor-widget elementor-widget-text-editor\" data-id=\"67cd7f68\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><ul><li>Organising a deed of variation to avoid care home fees\u00a0<\/li><li>Buying expensive possessions that are normally not included in a means test, such as jewellery or cars<\/li><\/ul><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-7e82b2a1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e82b2a1\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7c97b3f\" data-id=\"7c97b3f\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-56dfb3f8 elementor-widget elementor-widget-text-editor\" data-id=\"56dfb3f8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"content_mobile_hint\">However, there are two main factors that the local council will take into account before making a conclusion about whether deliberate deprivation of assets took place:<\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-555c107b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"555c107b\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-52ea6d4d\" data-id=\"52ea6d4d\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-39fa65d5 elementor-widget elementor-widget-text-editor\" data-id=\"39fa65d5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><ul><li>You need to have known that you would soon be paying care fees at the time. If you were fit and healthy and could not have predicted that you would be self-funding in the near future, then you could not have been avoiding\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/paying-for-care\/\">paying for care<\/a>\u00a0homes.<\/li><li>Avoiding care home or nursing care fees must have been a motivating factor in giving away or reducing your total wealth. The intention is the most important factor that the authority will take into account when investigating your spending.<\/li><\/ul><span id=\"elementor-toc__heading-anchor-7\" class=\"elementor-menu-anchor \"><\/span><h2><b>Gifts to avoid care home fees<\/b><\/h2><p>If you are wondering how to avoid paying care home fees, giving away assets may be an option for you. Giving away money or assets will not always be considered deliberate deprivation of assets. If you could not reasonably have known that you would soon need care, then you could not have been deliberately avoiding care home fees by making the gift.<\/p><\/div><\/div><\/div><\/div><\/div><\/section>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2eb2aa2d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2eb2aa2d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-61df717a\" data-id=\"61df717a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-60a2ac94 elementor-widget elementor-widget-text-editor\" data-id=\"60a2ac94\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-46ab815 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"46ab815\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fc4342b\" data-id=\"fc4342b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dfdab8c elementor-widget elementor-widget-image\" data-id=\"dfdab8c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 24-04-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-300x75.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-1024x256.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-768x192.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design.png\" alt=\"nursing home\" height=\"300\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design.png 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-300x75.png 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-1024x256.png 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-768x192.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-25788 sp-no-webp\" fetchpriority=\"high\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7e926af1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e926af1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-15286047\" data-id=\"15286047\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-712edfe1 elementor-widget elementor-widget-text-editor\" data-id=\"712edfe1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_mobile_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-11e9e25e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"11e9e25e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-33527dc1\" data-id=\"33527dc1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1ffee964 elementor-widget elementor-widget-text-editor\" data-id=\"1ffee964\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Some reasons you may be giving\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/how-much-money-can-you-gift\/\">gifts of money<\/a>\u00a0or assets, without intentionally attempting to avoid paying for care, are:<\/p><ul><li>That you want to help loved ones who are struggling financially<\/li><li>You are still in good health and want to go on a well-deserved holiday in retirement<\/li><li>You would like to see your children or grandchildren enjoy a gift of tax-free money<\/li><\/ul><p><a href=\"https:\/\/www.which.co.uk\/later-life-care\/financing-care\/gifting-assets-and-property\/gifting-assets-what-are-the-rules-alp865l0wlum\" target=\"_blank\" rel=\"noopener\">But you should be very careful<\/a>\u00a0when you make gifts from your income or savings. If the council thinks you did this to avoid care home charges, then there may be serious consequences and the capital you used to have could be included in your financial assessment.<\/p><h2><b>How much money can I give away before going into a nursing home?<\/b><\/h2><p>As above, it is not necessarily the amount you give away that is important but whether or not it looks like you did so deliberately in an effort to reduce the value of your assets and avoid care home fees. You should be careful with how you go about giving the money away so that you are not accused of avoiding paying for care homes.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b1fc972 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b1fc972\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2375bfa\" data-id=\"2375bfa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30453dea elementor-widget elementor-widget-text-editor\" data-id=\"30453dea\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_mobile_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5ebed96e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ebed96e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-599b6d62\" data-id=\"599b6d62\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b63e9ac elementor-widget elementor-widget-text-editor\" data-id=\"b63e9ac\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Is there a deprivation of assets 7 year rule?<\/b><\/h2><p>Unfortunately there is no 7 year rule that applies when it comes to deprivation of assets and the council can look back at your finances as far as they like to assess whether you have been trying to protect assets from nursing home fees.\u00a0<\/p><h2><b>How to avoid selling your house to pay for care<\/b><\/h2><p>It is understandable that you might want to search for options and advice about how to protect assets, such as the house you live in, when it comes to paying for care in the future.<\/p><p>There are several options on offer when considering how to avoid selling your house to pay for care. For example, Trusts,\u00a0equity release, and deferred payment agreements, are all things that people have done while they still live in good health. However, you must be careful that your intentions are correct and you do not attempt any deprivation of assets.<\/p><p><a href=\"https:\/\/www.youtube.com\/watch?v=Qy1KU8oufbU\" target=\"_blank\" rel=\"noopener\">Watch this video for more advice on the current rules and options on offer.<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6560ce66 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6560ce66\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-30181c3d\" data-id=\"30181c3d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-15459858 elementor-widget elementor-widget-text-editor\" data-id=\"15459858\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2c981cb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c981cb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3eb8a662\" data-id=\"3eb8a662\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2fb85a6f elementor-widget elementor-widget-text-editor\" data-id=\"2fb85a6f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Can I protect my home from care costs?<\/b><\/h2><p>The burning question for many people is \u2018can you protect your house from care home fees?\u2019 One way to help afford the cost of care for yourself or your partner while keeping ownership of your property is equity release.\u00a0Equity release\u00a0schemes allow you to access some of the value of your home without having to sell it.<\/p><p>There are two main types of\u00a0equity release\u00a0on offer: lifetime mortgages, and home reversion plans.<\/p><p>Lifetime mortgages are the most popular, and these can be a great option for older people needing to fund\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/home-care-costs\/\">home care costs<\/a>\u00a0or residential care. Essentially, a lifetime mortgage is a loan which is secured against your home.<\/p><p>This money you get can either take the form of a tax free cash lump sum, or a series of smaller withdrawals. The way you unlock your money depends on the\u00a0lifetime mortgage\u00a0product that you choose.<\/p><p>You don\u2019t need to make any monthly interest payments. Instead, the\u00a0rate is fixed for the mortgage\u00a0term (until your death). The loan and all the interest which has rolled up will simply be paid off after your death, when the provider will sell your house.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2f953ba8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2f953ba8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5516e833\" data-id=\"5516e833\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3f7889ac elementor-widget elementor-widget-text-editor\" data-id=\"3f7889ac\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-16e7ce elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"16e7ce\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4524e243\" data-id=\"4524e243\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-58cb7fd3 elementor-widget elementor-widget-text-editor\" data-id=\"58cb7fd3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>To qualify for a\u00a0lifetime mortgage, you must own a UK property worth \u00a370,000 or more. You must not have any other debts or mortgages secured against your home, or you must use the money you release upon completion to pay off all debts of this kind.<\/p><p>Like all equity release, these products carry certain risks and may impact your tax position and <a href=\"https:\/\/helpandadvice.co.uk\/what-benefits-am-i-entitled-to\/\">entitlement to state benefits<\/a>.\u00a0 Therefore, it is important for you to speak to specialist financial advisers in order to make an informed choice about whether equity releasing services are the best way for you to protect your home when paying for care.<\/p><h2><b>What are deferred payment schemes?<\/b><\/h2><p>A deferred payment agreement is a loan provided by your local council to help towards the cost of care. This loan from your local authority is secured against your home, and will usually have fixed interest rates.<\/p><p>It allows you to keep ownership of your home and delay paying the bills for your room in a care home until after your death. Even if a means test finds that you do not qualify for financial support from your local council, you may still be eligible for a<a href=\"https:\/\/www.ageuk.org.uk\/information-advice\/care\/paying-for-care\/paying-for-a-care-home\/do-i-have-to-sell-my-home-to-pay-for-care\/\" target=\"_blank\" rel=\"noopener\">deferred payment scheme<\/a>.<\/p><p>It is also worth knowing that you can usually rent out the property in addition to using a deferred payment scheme when paying for care homes. You could then put that extra income towards affording the care place that you would like most.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b61441 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b61441\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-66bb9dcd\" data-id=\"66bb9dcd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6814b597 elementor-widget elementor-widget-text-editor\" data-id=\"6814b597\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ba4d2d1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ba4d2d1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3bafbed\" data-id=\"3bafbed\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f9a5df elementor-widget elementor-widget-image\" data-id=\"7f9a5df\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-1.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-1-300x75.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-1-1024x256.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-1-768x192.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-1.png\" alt=\"nursing home expenses\" height=\"300\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-1.png 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-1-300x75.png 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-1-1024x256.png 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-1-768x192.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-25787 sp-no-webp\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1fffee6d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1fffee6d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-62093da3\" data-id=\"62093da3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a3b9362 elementor-widget elementor-widget-text-editor\" data-id=\"6a3b9362\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_mobile_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-27084c71 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"27084c71\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-439dece0\" data-id=\"439dece0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49d881c2 elementor-widget elementor-widget-text-editor\" data-id=\"49d881c2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Can you put your house in Trust to avoid care home fees?<\/b><\/h2><p>Something else older people needing to cover care costs may be considering is putting their home into a Trust. If you put house into Trust, you can assign ownership of your property to somebody else such as your children.<\/p><p>However, it is important to know that doing so in order to avoid paying the fees that you owe will be classed as deliberate deprivation of assets.<b><i>\u00a0<\/i><\/b><\/p><p>If the council suspect that you could have known at the time of setting up a Trust that you would soon have to pay the cost of nursing <a href=\"https:\/\/helpandadvice.co.uk\/is-live-in-care-cheaper-than-nursing-home\/\">care or care home<\/a> services, then you will not gain any benefit and will actually be negatively impacted by gifting these assets.<\/p><p>So, you<a href=\"https:\/\/ukcareguide.co.uk\/avoiding-care-home-fees\/\" target=\"_blank\" rel=\"noopener\">must have other legitimate reasons<\/a>\u00a0for using Trust services, and not simply be putting property into Trust to avoid care home fees.<\/p><p>You need to assign a proportion of the property ownership to your family member (such as children) while you are still fit and healthy.<\/p><p>Children are usually the ones named as Trustees.<\/p><ul><li>Provided you are still healthy and don&#8217;t need care, you can put a house into Trust schemes such as:<\/li><li><a href=\"https:\/\/ukcareguide.co.uk\/protective-property-trust\/\" target=\"_blank\" rel=\"noopener\">Protective Property Trust<\/a>. This kind of Trust lets you to ring-fence a percentage of your property for your loved ones to inherit after your death. They also go by the name as \u2018Property Trust wills&#8217;.<\/li><li><a href=\"https:\/\/ukcareguide.co.uk\/interest-possession-trust\/\" target=\"_blank\" rel=\"noopener\">Interest in Possession Trust<\/a>. This particular Trust fund may be set up to provide a beneficiary with an entitlement to income as and when it is produced.\u00a0<\/li><li><a href=\"https:\/\/ukcareguide.co.uk\/life-interest-trust\/\" target=\"_blank\" rel=\"noopener\">Life Interest Trust<\/a>.\u00a0 You can use these Trusts to designate beneficiaries who will then have a legal right to use and take an income from the property named in the Trust.<\/li><\/ul><p>You must speak to a legal specialist if you are considering the possibility to put house in Trust to make sure that it is set up correctly.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4ae4d3c0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4ae4d3c0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6a17c3a4\" data-id=\"6a17c3a4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3ced3ae0 elementor-widget elementor-widget-text-editor\" data-id=\"3ced3ae0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3858ccb3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3858ccb3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e435ffb\" data-id=\"e435ffb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-22321f17 elementor-widget elementor-widget-text-editor\" data-id=\"22321f17\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>How do I protect my assets from nursing home expenses?<\/b><\/h2><p>Hiding money from social services to avoid paying nursing fees is also against the rules of the law. Local government has been cracking down on those intentionally using\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/discounted-gift-trust\/\">Trusts to gift<\/a>\u00a0their property to their family and avoid fees.<\/p><p>However, if you are giving away assets and property to Trustees such as children or a partner while still healthy, and are not expecting to have to pay for nursing care in the near future, then there are routes such as the ones above which could be taken.<\/p><p>A professional specialist can give you more financial advice about ways you can pay for care services or nursing home fees. Make sure to contact a legal adviser before attempting to put your house away into a Trust or\u00a0release equity\u00a0from your home. They will talk you through things and help you find the best one for your situation.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-133e8b03 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"133e8b03\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7fc6722c\" data-id=\"7fc6722c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5bee3c40 elementor-widget elementor-widget-text-editor\" data-id=\"5bee3c40\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-60251ecc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"60251ecc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-13ce188c\" data-id=\"13ce188c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6c06ab8 elementor-widget elementor-widget-text-editor\" data-id=\"6c06ab8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h4>Article author<\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50c0190c elementor-widget elementor-widget-image\" data-id=\"50c0190c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1-300x300.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1-150x150.webp 150w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1-768x768.webp 768w\"sizes=\"(max-width: 1024px) 100vw, 1024px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1.jpg\" height=\"1024\" width=\"1024\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1.jpg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1-300x300.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1-150x150.jpg 150w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1-768x768.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" class=\"attachment-large size-large wp-image-12735 sp-no-webp\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7c410925\" data-id=\"7c410925\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-15a4de4b elementor-widget elementor-widget-text-editor\" data-id=\"15a4de4b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3>Katy Davies<\/h3><p>I am a keen reader and writer and have been helping to write and produce the legal content for the site since the launch.\u00a0 \u00a0I studied for a law degree at Manchester University and I use that theoretical experience, as well as my practical experience as a solicitor, to help produce legal content which I hope you find helpful.<\/p><p>Outside of work, I love the snow and am a keen snowboarder.\u00a0 Most winters you will see me trying to get away for long weekends to the slopes in Switzerland or France.<\/p><p><strong>Email<\/strong>\u00a0&#8211;\u00a0<a href=\"mailto:katy@helpandadvice.co.uk\">katy@helpandadvice.co.uk<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b34768 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b34768\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-a55d59b\" data-id=\"a55d59b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b88c2ea elementor-widget elementor-widget-text-editor\" data-id=\"b88c2ea\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-98da670\" data-id=\"98da670\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f1c097a elementor-widget elementor-widget-text-editor\" data-id=\"f1c097a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-73e9c03\" data-id=\"73e9c03\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b6d031 elementor-widget elementor-widget-text-editor\" data-id=\"0b6d031\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dda4da3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dda4da3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-81aeb28\" data-id=\"81aeb28\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9b9d958 elementor-widget elementor-widget-text-editor\" data-id=\"9b9d958\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-98a5221 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"98a5221\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-83da825\" data-id=\"83da825\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-be52934 elementor-widget elementor-widget-text-editor\" data-id=\"be52934\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2 style=\"text-align: center;\">Frequently Asked Questions<\/h2><h5><b>Who pays for care home costs?<\/b><\/h5><p>It may come as surprising news to learn that many people are responsible for paying their full\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/care-home-costs\/\">care home costs.<\/a><\/p><p>A person is responsible for funding their own care if the valuation of their personal assets exceeds the national threshold.<\/p><p>This savings threshold is different in England and Northern Ireland than it is in Wales or Scotland.<\/p><h5><b>How much savings can you have before you have to pay for care?<\/b><\/h5><p>The savings threshold for <a href=\"https:\/\/helpandadvice.co.uk\/can-i-be-forced-to-live-in-a-care-home\/\">care home<\/a> fees changes depending on whether you are living in England, Wales, Scotland, or Northern Ireland.<\/p><p>In England and Northern Ireland, the savings threshold is \u00a323,250.<\/p><p>In Wales, the threshold amount is \u00a324,000.<\/p><p>Finally, the savings threshold for the cost of care in Scotland is \u00a327,250.<\/p><h5><b>Is there a care home fees cap?<\/b><\/h5><p>There is currently no cap for the costs of residential care home in the UK and many people are shocked to discover the news that they<a href=\"https:\/\/ukcareguide.co.uk\/paying-for-care\/\" target=\"_blank\" rel=\"noopener\">may need to pay over \u00a3100,00 for their care<\/a>.<\/p><p>However, if you are self-funding and the value of your assets and capital ever begins to run below the \u00a323,250 savings threshold, you can request a new assessment from the local council.<\/p><h5><b>Can you put your house in Trust to avoid care home fees?<\/b><\/h5><p>Something else older people needing to cover care costs may be considering is putting their home into a Trust. If you put house into Trust, you can assign ownership of your property to somebody else such as your children.<\/p><p>However, it is important to know that doing so in order to avoid paying the fees that you owe will be classed as deliberate deprivation of assets.<b><i>\u00a0<\/i><\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-087f746 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"087f746\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c30b1ae\" data-id=\"c30b1ae\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f41f7c elementor-widget elementor-widget-elementor-faq-schema\" data-id=\"2f41f7c\" data-element_type=\"widget\" data-widget_type=\"elementor-faq-schema.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t                                    <script type=\"application\/ld+json\">\n                    {\n                        \"@context\": \"https:\/\/schema.org\",\n                        \"@type\": \"FAQPage\",\n                        \"mainEntity\": [\n                         {\n                            \"@type\": \"Question\",\n                            \"name\": \"- Who pays for care home costs?\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;It may come as surprising news to learn that many people are responsible for paying their full\u00a0&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/care-home-costs\/&quot;&gt;care home costs.&lt;\/a&gt;&lt;\/p&gt;&lt;p&gt;A person is responsible for funding their own care if the valuation of their personal assets exceeds the national threshold.&lt;\/p&gt;&lt;p&gt;This savings threshold is different in England and Northern Ireland than it is in Wales or Scotland.&lt;\/p&gt;&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/avoiding-care-home-fees\/&quot;&gt;&lt;b&gt;&gt; CLICK HERE TO READ MORE &lt;&lt;\/b&gt;&lt;\/a&gt;&lt;\/p&gt;\"\n                            }\n                                                    },\n                                             {\n                            \"@type\": \"Question\",\n                            \"name\": \"- How much savings can you have before you have to pay for care?\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;The savings threshold for care home fees changes depending on whether you are living in England, Wales, Scotland, or Northern Ireland.&lt;\/p&gt;&lt;p&gt;In England and Northern Ireland, the savings threshold is \u00a323,250.&lt;\/p&gt;&lt;p&gt;In Wales, the threshold amount is \u00a324,000.&lt;\/p&gt;&lt;p&gt;Finally, the savings threshold for the cost of care in Scotland is \u00a327,250.&lt;\/p&gt;&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/avoiding-care-home-fees\/&quot;&gt;&lt;b&gt;&gt; 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CLICK HERE TO READ MORE &lt;&lt;\/b&gt;&lt;\/a&gt;&lt;\/p&gt;\"\n                            }\n                                                    },\n                                             {\n                            \"@type\": \"Question\",\n                            \"name\": \"- Can you put your house in Trust to avoid care home fees?\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;Something else older people needing to cover care costs may be considering is putting their home into a Trust. If you put house into Trust, you can assign ownership of your property to somebody else such as your children.&lt;\/p&gt;&lt;p&gt;However, it is important to know that doing so in order to avoid paying the fees that you owe will be classed as deliberate deprivation of assets.&lt;b&gt;&lt;i&gt;\u00a0&lt;\/i&gt;&lt;\/b&gt;&lt;\/p&gt;&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/avoiding-care-home-fees\/&quot;&gt;&lt;b&gt;&gt; CLICK HERE TO READ MORE &lt;&lt;\/b&gt;&lt;\/a&gt;&lt;\/p&gt;\"\n                            }\n                                                    }\n                    ]\n                    }\n                <\/script>\n                    \t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a086629 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a086629\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2daf113\" data-id=\"2daf113\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b2045c7 elementor-widget elementor-widget-text-editor\" data-id=\"b2045c7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-4837d3a\" data-id=\"4837d3a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d5ab865 elementor-widget elementor-widget-text-editor\" data-id=\"d5ab865\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-d9e70c8\" data-id=\"d9e70c8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-db0c3fa elementor-widget elementor-widget-text-editor\" data-id=\"db0c3fa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-76d9e05c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"76d9e05c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2dbc575e\" data-id=\"2dbc575e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30278786 elementor-share-buttons--view-icon elementor-share-buttons--shape-circle elementor-share-buttons--align-left elementor-share-buttons--color-custom elementor-share-buttons--skin-gradient elementor-grid-0 elementor-widget elementor-widget-share-buttons\" data-id=\"30278786\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/helpandadvice.co.uk\/wp-content\/plugins\/elementor-pro\/assets\/css\/widget-share-buttons.min.css\">\t\t<div class=\"elementor-grid\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_facebook\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on facebook\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-facebook\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256c0 123.78 90.69 226.38 209.25 245V327.69h-63V256h63v-54.64c0-62.15 37-96.48 93.67-96.48 27.14 0 55.52 4.84 55.52 4.84v61h-31.28c-30.8 0-40.41 19.12-40.41 38.73V256h68.78l-11 71.69h-57.78V501C413.31 482.38 504 379.78 504 256z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_twitter\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on twitter\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M459.37 151.716c.325 4.548.325 9.097.325 13.645 0 138.72-105.583 298.558-298.558 298.558-59.452 0-114.68-17.219-161.137-47.106 8.447.974 16.568 1.299 25.34 1.299 49.055 0 94.213-16.568 130.274-44.832-46.132-.975-84.792-31.188-98.112-72.772 6.498.974 12.995 1.624 19.818 1.624 9.421 0 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e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_linkedin\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on linkedin\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>AVOIDING CARE HOME FEES &#8211; Care fees can easily be \u00a3100K.  Read our guide on what you can to do reduce them.<\/p>\n","protected":false},"author":1,"featured_media":788,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/posts\/786"}],"collection":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/comments?post=786"}],"version-history":[{"count":105,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/posts\/786\/revisions"}],"predecessor-version":[{"id":44812,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/posts\/786\/revisions\/44812"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/media\/788"}],"wp:attachment":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/media?parent=786"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/categories?post=786"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/tags?post=786"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}