Services for financial planners and advisers

Services for financial planners and advisers

Do you advise your clients on long-term care?

GrandfatherFinancial planners and financial advisors:

Now you can help your clients gain even greater financial security – with specialist information about NHS funding for care.

As you know…

  • just because your client has savings or property does not necessarily mean they have to pay for care
  • if your client has an elderly parent in care, the state cannot ask your client to pay for that care
  • social care and nursing care are funded in completely different ways; social care is means tested, healthcare and nursing care is not – no matter what your age
  • in many cases it’s illegal for the state to force someone to sell their home to pay for care

How we help

As you know, it’s vital to help clients protect against the costs of long-term care. With the specialist information on this site we show you how your clients can avoid paying care fees unnecessarily. It means your clients may be able to:

  • recover lost assets
  • free up current assets
  • ease their financial position

Thousands of people every year are wrongly charged for care – and these care fees often amount to tens (sometimes hundreds) of thousands of pounds. If your client or their elderly relative has primarily health needs (as opposed to social care needs), they should be assessed for NHS Continuing Healthcare funding.

This is funded by the NHS and it covers 100% of care home fees.

Is your client already paying care fees?

  • If your client is currently paying top-up care fees on behalf of an elderly relative, your client may be able to get those fees back.
  • If your client has an elderly relative in full-time nursing care and paying care fees, they may be able to get the NHS to pay instead.
  • If your client is about to start paying care fees, they need to be properly assessed by the NHS first – not means tested by the local authority.

Having the correct information can make the difference between your client being able to leave an inheritance or not. And it can prevent the family home being taken away illegally to pay for care.

Is your client planning for the future?

If you’re currently helping your client plan ahead for possible long-term care costs, make sure they’re aware that the NHS has a duty to fund nursing care. Many people are incorrectly charged, and yet nursing care is free. This is not simply the small weekly nursing care ‘contribution’ that many people receive; instead, it’s NHS funding to cover the full cost of care.

Find out more about NHS Continuing Healthcare and how this website can help you


  1. Dr Neena Lakhani 4 years ago

    My mum is currently at a rehab unit with a spinal cord injury which has left her being immobile and unable to take care of herself. She is having intense Physiotherapy and making good progress as this could be reversed. She has not broken any bones. She fell downstairs at home. The rehab unit wants to discharge her but we are saying she is not ready as she has not reached her full rehab potential. My father at home has got AMD and is partially deaf – and is registered blind. The Hospital is saying my mum needs nursing care because of bed sores and needs a nursing home but has to pay. They are both on pension credits – my dad still lives at home. They own their own home.
    I want to get the max benefit for my mother’s care – either in a good nursing home or at home. Can you advise? My parents live in London and are south Asians – and the home we like that is near for my dad to visit and my mum’s relatives may be too expensive for us… But it caters to her religious social and cultural needs. Another one in the area – she has had friends who have been miserable there and died within days. She is very upset. All of us children live away from London.

    Thank you

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