A Guide To Long Term Care
Reasons to choose Wilson Browne
Long term care is an increasingly important consideration for many individuals and families. Planning ahead can make a significant difference to both the quality of care you receive and the financial impact it may have.
This guide outlines the key points you need to know and the steps you can take to protect your future.
On this page:
What Is Long Term Care?
Long term care refers to a wide range of medical and non‑medical support services designed to help individuals who need assistance with daily living or ongoing health needs. This may include:
- Personal care at home
- Residential care
- Nursing care
- Specialist dementia or complex‑needs support
For most people, long term care becomes relevant later in life, but it can be required at any age due to illness, disability, or unforeseen circumstances.
Who Does This Affect?
Around one in three people will require long term care at some point in their lives. As life expectancy increases, demand for care services continues to rise, along with the associated costs.
Many individuals do not plan ahead for future care needs, which can lead to unexpected financial pressure and limited options when care becomes necessary.
What Can Long Term Care Cost?
Costs vary depending on your location, care provider, and the level of support required. As a general guide:
- Residential care: approximately £55,000 per year
- Nursing care: can rise to £90,000 per year
These figures are often higher than people anticipate, and costs continue to increase annually.
Depending on your financial circumstances and health needs, some costs may be covered by the NHS or your Local Authority. However, if you have assets over £23,250, you will likely be required to contribute towards or fully fund your care.
What Should You Do Next?
If long term care is a concern for you, whether now or in the future, it’s important to explore your options early. Planning ahead can help you:
- Protect your assets
- Understand what funding you may be eligible for
- Make informed decisions about your care
- Ensure your wishes are respected
Seeking advice from a qualified professional is essential. Our team can connect you with specialist advisers who will help you understand your choices and plan effectively for your future care needs.
For further information or to speak with a member of our team, please contact Wilson Browne Solicitors and we will be happy to assist.
Frequently Asked Questions (FAQs)
What is included in long term care?
Long term care can include personal care, nursing care, specialist medical support, help with daily activities, and residential or home‑based care services.
Is long term care only for older people?
No. While most people associate long term care with later life, it can be required at any age due to illness, disability, or injury.
Will the NHS pay for my care?
In some cases, yes. Individuals with significant health needs may qualify for NHS Continuing Healthcare, which covers the full cost of care. Eligibility is assessed on a case‑by‑case basis.
What financial support is available from the Local Authority?
Local Authorities may contribute to care costs following a financial assessment. If your assets exceed £23,250, you will usually be required to pay for some or all of your care.
Can I protect my home from being used to pay for care?
There are legal and financial planning options that may help protect your assets, including your home. It is essential to seek specialist advice to understand what is appropriate and lawful for your circumstances.
When should I start planning for long term care?
The earlier, the better. Planning ahead gives you more options and helps ensure your wishes are followed.
Who can advise me on long term care planning?
Wilson Browne Solicitors can connect you with specialist advisers who understand the legal, financial, and practical aspects of long term care planning.