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  • Careers | Advice on Care | Impartial Care Fees Consultant
    Care To service an increasing number of enquiries received both from the public and from an increasing number of professional connections who choose to refer such cases to us we are currently seeking experienced professional consultants to advise on Long Term Care funding in the following areas North of England Wales Devon and Cornwall After comprehensive training this rewarding self employed role will offer the right candidate an interesting and rewarding career both meeting and advising clients and cultivating and introducing new IFA Mortgage Brokers to our outsourcing service Qualities required Apart from being qualified to full FCP and holding G80 October 2004 or CF8 successful candidates will be able to demonstrate good communication skills and the ability to empathise with retired clients Benefits Provided In addition to offering uncapped earnings potential these roles also offer the following benefits Full Training Good earnings potential A State of the Art electronic case management system Ability to work from home and arrange your own diary Regular mainly daytime appointments with clients who appreciate professional advice To apply In first instance please send your C V along with a brief explanation of why you feel you would be suited to us either by Post Mr Keith Hargraves Advice on Care 73 Devonshire Gardens Reading Berks RG1 8EQ e mail enquiries adviceoncare co uk Fax 0118 958 8431 Contact us Advice on Care 73 Devonshire Gardens Tilehurst RG31 6FP Telephone 0118 958 5571 Email info adviceoncare co uk Accreditations Financial News Our Digital Magazine To receive every issue of our magazine by email simply register your name and email address in the form below The information contained in this web site is for general information only and is not financial investment or tax advice It is also subject to the UK regulatory regime and

    Original URL path: http://www.adviceoncare.co.uk/long-term-care-consultants.html (2016-04-24)
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  • Long Term Care | Advice on Care | Impartial Care Fees Consultant
    to authority but will normally only be available once care is assessed as either substantial or more commonly significant and is means tested Any financial help towards the cost of this care is means tested and unless you qualify for NHS Continuing Healthcare you are unlikely to receive any if your capital savings and property if single divorced or widowed is more than just 23 250 England 24 000 Wales 26 250 Scotland 2015 16 If it does exceed this you will then be deemed to be able to self fund it and you should consider care fee funding plans To read more about domiciliary care and whether you could qualify for any financial help towards it visit domiciliary care Intermediate Care Provided by the NHS this is a short period of intensive care designed to try and rehabilitate the person needing care to allow them to return home Usually provided at home it can be offered after a spell in hospital or even in a care home It is normally provided free of charge but only for 6 weeks Residential Care Formally described as care in a care home without nursing this is where care is received on a full time basis in a specific residential care home Residential care homes are distinct from nursing home or to give them their official name care homes with nursing because residential care homes do not have a full time state registered nurse on duty and any are designed just to provide adult social care help with daily activities including wasting toileting eating etc Medical needs are addressed as and when required by a visiting GP or district nurse Once medical needs become more acute and or regular nursing care will normally become necessary either resulting in a move to a nursing home or move to a nursing ward or floor if the care home currently in is a dual registered home i e offers both residential and nursing care Any financial help towards the cost of this care is means tested and unless you qualify for NHS Continuing Healthcare you are unlikely to receive any if your capital savings and property if single divorced or widowed is more than just 23 250 England 24 000 Wales 26 250 Scotland 2015 16 If it does exceed this you will then be deemed to be able to self fund and you should then at least consider care fee funding plans formerly called care fee annuities Nursing Care This is the level of care required when apart from ordinary social care needs there is also regular medical needs requiring supervision Nursing Homes or care homes with nursing to give them their formal name differ from residential care because they cater for more severe and intensive needs and have a full time state registered nurse on duty at all times They are inevitably more expensive but when anyone is formally assessed as needing nursing care and you receive that care in a nursing home you

    Original URL path: http://www.adviceoncare.co.uk/what-is-long-term-care.html (2016-04-24)
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  • Domiciliary Care – Care at Home | Advice on Care | Impartial Care Fees Consultant
    with your own local authority s social services department Then they will carry out a means test to see if you could pay for your own care or at least contribute towards it The financial assessment means testing If your local authority deems you need support and care in your own home they will draw up a care plan and will also assess your income to see if you need to make a contribution towards the cost a so called means test Whilst there is no national rules for when local authorities charge for domiciliary care services unlike means testing for care in a care home most are now following the same guidelines as laid down for paying for care in a care home and detailed in the CRAG guidelines Charging for Residential Accommodation Guidelines The following is a description of how local authorities assess your means in England and it may be different in Scotland or Wales Step 1 First they will look at your savings capital assets but not the value of your home and if this exceeds just 23 250 England 2015 16 whilst they would help arrange any care required you would be expected to pay for it yourself at least until your savings fell below the limit However some services like the district nurse would still be provided free of charge as these are part of the NHS Step 2 Even if your capital is less than 23 250 England 2015 16 they look at your income including any state benefits you may be entitled to but not yet claiming and also notional or theoretical income they derive you could get from any savings greater than 14 250 England 2015 16 at a rate of 1 per week extra income for every 250 of capital greater than 14 250 to see if your total income is greater than the amount the Government deems anyone needs to live on a so called Protected Income Notionally this protected income is set each year in line with the basic amount of Pension Credit plus 25 but can be increased to allow for disability and extra health related expenditure that s deemed necessary So as the current weekly rate 2015 16 for Guaranteed Pension credit for a single person is 151 20 this currently gives a protected amount of income of 189 00 2015 16 without any allowances being made for extra necessary expenditure or disability Step 3 If you income exceeds this protected amount they expect you to pay a of this difference towards the cost of the care provided or it reduces the amount of any direct payment or personal budget awarded Please note In assessing income they should only ever take into account your income not that of any spouse or partner and similarly they should not take into account any savings or capital any spouse or partner owns in their own name but can take into account 50 of any savings held in joint accounts

    Original URL path: http://www.adviceoncare.co.uk/paying-home-care.html (2016-04-24)
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  • Paying for Care Homes | Advice on Care | Impartial Care Fees Consultant
    it doesn t need much for you to be responsible for paying for all your care Indeed in 2015 16 you only need to have capital exceeding 23 250 England 24 000 Wales 26 250 Scotland including the value of any property unless a spouse or a dependent relative will still live in it and you will have to be a self funder Unfortunately 1 in 4 people who fund their own care run out of money and family end up having to pay or if this isn t possible the parent or relative may be forced into moving to a cheaper home often because local authorities when they calculate that someone needs to pay for their own care are poor at signposting families towards getting the professional care fees advice they so badly need when paying for care homes fees Source LGIU Independent Ageing Report March 2011 Don t jeopardize your parent s care Ensure they receive the care they deserve by getting professional care fees advice Options for paying for care homes include Paying from savings capital on a pay as you go basis which is when money could run out Investing to produce income in the hope that you might get better returns than from simply keeping money on deposit but greater risk Specialist Care Fee Funding Plans which provide a guaranteed indefinite income which can also increase each year to help meet expected increases in care fees Renting your Home to provide additional income to help meet fees Deferred Payment Schemes but only if other non property capital is less than 23 250 England 24 000 Wales 26 250 Scotland 2015 16 Being experienced specialist care fee advisers you can be assured that we fully understand your dilemma when faced with paying for care and will

    Original URL path: http://www.adviceoncare.co.uk/care-fees.html (2016-04-24)
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  • Care Act and effect on long term care funding in England | Advice on Care | Impartial Care Fees Consultant
    or 118 000 from April 2016 is designed to prevent you having to sell any home immediately to pay care fees and instead ask the Local Authority to pay them on your behalf for you to repay only when you sell the property or the person needing care dies whichever is the earliest It therefore acts as an IOU and the new scheme will allow councils to add interest from day one on any debt built up To read more about whether you may qualify for this scheme read out dedicated page Universal Payments Scheme Create a cap on how much any individual will have to pay for their own care expected to initially be set at 72 000 but only from April 2016 NOW POSTPONED UNTIL 2020 Increase England s current upper capital threshold from 23 250 to either 27 000 when the value of property is not included or 118 000 when the value of property is included from April 2016 The lower threshold currently 14 250 for the means test will also increase to 17 000 NOW POSTPONED UNTIL 2020 AT THE EARLIEST But will the Care Act really make that much of a difference So apart from the new Universal Deferred Payments Scheme as the Government has now decided to postpone the cap and increased thresholds until at least 2020 there will now be little difference in terms of whether you will need to pay for your own care Consequently if the Universal Deferred Payments scheme is unlikely to be of assistance to you or you would simply like to ensure better care than would be funded then you should read our page on how to pay for your own care Request your Care Fees Consultation Let one of our specialist advisers assess whether the Care

    Original URL path: http://www.adviceoncare.co.uk/care-act.html (2016-04-24)
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  • Paying for Care Homes | Advice on Care | Impartial Care Fees Consultant
    in England Paying for care in Wales Paying for care in Scotland Care fee funding plans Equity release FAQ s Additional Services POA s Wills Pre payment funeral plans Professional Partners Contact Us Care Fees Calculator Paying nursing home or residential care home fees directly from savings can very quickly erode most if not all of your money Why not use our free care fees calculator below to find out just how much it could cost over time once you allow for annual care fee increases Contact us Advice on Care 73 Devonshire Gardens Tilehurst RG31 6FP Telephone 0118 958 5571 Email info adviceoncare co uk Accreditations Financial News Our Digital Magazine To receive every issue of our magazine by email simply register your name and email address in the form below The information contained in this web site is for general information only and is not financial investment or tax advice It is also subject to the UK regulatory regime and is therefore restricted to consumers based in the UK If you would like to discuss a particular issue or generally ask us how we can advise on your particular situation then please contact us Advice on Care is

    Original URL path: http://www.adviceoncare.co.uk/care-fees-calculator.html (2016-04-24)
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  • Paying for care | Advice on Care | Impartial Care Fees Consultant
    is only relatively short but can erode savings the most and causes uncertainty over whether any chosen care can be maintained for as long as required Should money run out it can even give rise to changes in care being required It also means someone will have to continually manage the reducing capital to try and get the best returns and preserve it for as long as possible and also pay any care home Also any returns achieved will normally be taxed Investing to provide income Similar to paying as you go from savings you use existing savings to meet care fees but here instead of keeping money in deposit type accounts we arrange an investment which aims to provide an income to help meet all or some of the income shortfall you may have in meeting care fees The main advantage is that potential returns aim to be greater than if money is retained on deposit However due to volatility associated with any investing any portfolio we create whilst heavily diversified to lower the risk would normally be still be heavily weighted in favour of low to medium risk investments to try and reduce the risk of capital falling due to adverse market conditions Nevertheless this strategy should only be considered if you have a sufficient appetite for taking some risk with the money and due to the fact that any income produced would normally be not guaranteed and can reduce and will not generally increase each year unlike the care fees you may either decide that this is not for you or you may simply decide this should be only considered for any balance of money once you have first secured the care by buying an annuity Buying a Care Fees Funding Plan previously called Long Term Care Annuity or care fee annuities These care fee funding plans are plans offered by some specialist insurers to provide an agreed income for the rest of the person needing care s life It does this by the insurer converting the single premium you need to pay at outset only into a guaranteed income which you can also ask for to increase each year to meet likely care fee increases As such these specialist care fee plans or care fees annuity can ensure care can continue indefinitely without any worry that money will run out or will need continually monitoring or managing unlike if you pay as you go or invest The income these care plans provide is paid tax free if paid directly to the care provider either a registered care agency if you are receiving care at home or registered care home As such they are available to help meet both care at home and also in a care home They are also portable so it doesn t matter if you take out one whilst receiving care at home if you need to move into a care home and even later move from a residential care home to a

    Original URL path: http://www.adviceoncare.co.uk/paying-for-care.html (2016-04-24)
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  • page title | Advice on Care | Impartial Care Fees Consultant
    for my own care Anyone who is faced with having to arrange care for a parent or relative wants to know whether they will need to pay for their care or will the state pay The following useful care funding route map aims to try and quickly walk you through whether or not you would be responsible for paying your own care depending on where you live and offers you links to other pages in our site which help to explain some of the terms in more detail Please Note It is only a quick guide to means testing rules and cannot hope to fully describe all situations and is not intended to offer any advice Please Note This is only intended as a quick guide as to whether you may be eligible for State funding or not and is not intended to provide any advice It also only describes means testing for when residential care or nursing home care is required It doesn t cover when care at home is preferred and is based only on current 2015 16 capital thresholds We would strongly recommend that anyone responsible for overseeing someone s care to seek professional care fees advice by requesting a consultation with one of our experienced and specialist care fee advisers who will guide you fully through all your options Contact us Advice on Care 73 Devonshire Gardens Tilehurst RG31 6FP Telephone 0118 958 5571 Email info adviceoncare co uk Accreditations Financial News Our Digital Magazine To receive every issue of our magazine by email simply register your name and email address in the form below The information contained in this web site is for general information only and is not financial investment or tax advice It is also subject to the UK regulatory regime and is

    Original URL path: http://www.adviceoncare.co.uk/will-i-need-to-pay-for-my-own-care.html (2016-04-24)
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