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Long Term Care plans are designed to cover the cost of caring for elderly individuals who are unable to carry out a number of activities of daily living (ADLs). Normally, claims are met if the client cannot perform 2 or more of the ADLs.
ADLs usually include:
In some cases, insurance can help.
If you already need care, special policies exist that will pay a guaranteed sum each month for as long as you need care. The big advantage of this route is that it can help to crystallise the cost of care.
Inheritance tax planning may be important to you too. If so, we can advise you how best to meet your care needs and to gain inheritance tax benefits too.
In some cases, family members can help towards the cost of such insurance if they wish to and are able to as well.
Get in touch with our team to see how we can support your family with long term care plans.
Ginny is an honest and knowledgable planner. Completes a full financial review based on individual circumstances and needs. Great service and advice provided and I have recommended her services to family and friends.