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All you need to know about elderly care

As people grow old, they need constant physical and mental support. For most elderly, there comes a time when they are unable to manage alone. This is the time when they need someone to assist them and take care of them. A needs assessment is conducted to evaluate the needs of the elderly and ascertain whether they will need care providers at home or if they will have to move into a care home for more specialized care. Following the needs assessment is the financial assessment of the elderly which involves understanding their income and savings to evaluate if they are in a position to pay for their care services. If a person is found to have assets above a certain pre-determined level, then he or she is considered to be responsible for paying for his or her care. With most local authorities changing their eligibility criteria for offering care services, most people are falling under the category in which they are responsible to pay for their specialized long term care services.


Dealing with the expenses involved with long term care:


When it comes to dealing with the expenses that are a part of the long term care, there are limited options available to the elderly primarily because of lack of an active source of income. Most people who require long term care are retired individuals who have no source of regular income. For such people, the two most viable options for bearing the costs of long term care are downsizing and equity release.





Downsizing basically means reducing the assets that you have. People who choose this option opt to release the equity from their property and move into a smaller apartment or home. In some cases, this option cannot be possible if the property needs a good amount of repair or if the value thus realized from it and after making arrangements for a smaller property will not be sufficient to bear the care costs.

 Equity Release:


The option of equity release is more popular among the elderly. With this option, people can release some or all of the equity from their property without having to move their home.


How can equity release help in dealing with long term care costs?


Equity release schemes can help a great deal to take care of your long term care expenses. There are a variety of equity release schemes available to choose from depending upon your need and requirement. Elderly people can either opt for a single payment of their equity or request for regular monthly payments. This will ensure that they have money coming in to help them with their long term care costs. Equity release schemes are perfectly designed for the elderly to improve their quality of living by having money to take care of their health issues. Also, as people will continue to stay in their own homes, there will not be a question of poor living conditions to ever affect them.


While equity release option can be highly beneficial, it is always recommended to seek expert advice from an equity release specialist to understand the options available and make the right decision. 

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Happy Client

Read some of the wonderful feedback that we have received from some of our clients!

When I started getting old, I started getting more and more dependent. That's when I decided to opt for long term care at home. I didn't want this option to spell financial constraint for my children. Equity Release option helped me here and I'm glad I opted for it. 
Sophie Hammond

Happy Client

Long term care can get really expensive. I was just settling in my life and already had the responsibility of my child. During this time, my mother was in extreme need of long term care and support. The most feasible option was to opt for equity release scheme. I convinced my mother to do it and she is very well taken care of now. After all, what is worth of a property if it does not serve you in ill health. 
Brooke Harris