{"id":671,"date":"2022-07-08T13:36:11","date_gmt":"2022-07-08T13:36:11","guid":{"rendered":"https:\/\/springbokproperties.co.uk\/blog\/?p=671"},"modified":"2022-07-08T13:36:11","modified_gmt":"2022-07-08T13:36:11","slug":"avoid-selling-home-pay-for-care","status":"publish","type":"post","link":"https:\/\/www.springbokproperties.co.uk\/blog\/avoid-selling-home-pay-for-care","title":{"rendered":"Can I Avoid Selling My Home to Pay for Care?"},"content":{"rendered":"<p><span data-contrast=\"auto\">If you\u2019re reading this article, it\u2019s likely that you know someone who needs to go into care (such as a parent) or it\u2019s you that does. Whatever your situation, you have our sympathy because it\u2019s never nice to feel that you have to sell a property in order to pay for much needed care.\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">According to Carehome.co.uk, Nearly half a million people in the UK live in a care home and around half of these fund themselves (known as \u2018self-funders\u2019), whilst the other half receive local authority funding (albeit some people also pay a \u2018top-up\u2019). <\/span><br \/>\n<b><\/b><b><\/b><\/p>\n<h2><b><span data-contrast=\"auto\">How Much Does Care Cost?<\/span><\/b><\/h2>\n<p><span data-contrast=\"auto\">Carehome.co.uk say that the amount you pay\u202ftowards your care will depend on where you live in the UK. If you live in England and Northern Ireland and have assets of more than \u00a323,250, you will have to pay the full cost of your care and be a self-funder. In Scotland it\u2019s \u00a328,750, whilst the care and care home fees threshold in Wales is \u00a350,000. <\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"auto\">Anyone with capital below these amounts will qualify for some financial support. If your savings or income fall below the threshold, the local authority should start paying for some or all of your care. You can ask the local authority to carry out a review while you are in residential care if your savings drop below the threshold or if they are about to, so that they can take over the funding of your care costs.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Is There a Maximum Cost for Care? <\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">There is currently no cap on care home fees in the UK. However, in September 2020, the government announced that from October 2023, no one in England will have to pay more than \u00a386,000 in care costs during their lifetime. Upon reaching this figure, the ongoing care costs will be paid for by your local authority.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In April 2022, The Health Foundation \u2013 an independent UK-based charity \u2013 commented on what they called \u2018crippling care costs\u2019 and stated \u201cMPs in Yorkshire, the Midlands and North East should vote down the government\u2019s social care cap amendment to save their poorer constituents.\u201d <\/span><\/p>\n<p><span data-contrast=\"auto\">The charity explains that: \u201cThe government proposed a cap of \u00a386,000 on the lifetime care costs that people face. But it also proposed amending the 2014 Care Act so that local authority support that people receive to help them meet their care costs would no longer count towards the cap. This is a departure from the Dilnot Commission\u2019s proposals, which significantly reduces the benefits of the reforms for people with lower levels of wealth. Those with housing wealth of more than \u00a3186,000 are unaffected.\u202f<\/span><\/p>\n<p><span data-contrast=\"auto\">\u201cThe change means that, irrespective of wealth and assets, everyone is exposed to the same costs. \u00a386,000 may be affordable for certain people, but it is a life changing amount for people with low to moderate assets and will still leave them with no choice but to sell their home to pay for their care.\u201d <\/span><\/p>\n<p><span data-contrast=\"auto\">They add: \u201cA joint\u202fInstitute for Fiscal Studies (IFS) and Health Foundation report, funded by the Health Foundation, recently assessed the impact of the government\u2019s amendment. It compared the financial effect of the change for people in different regions of the country. For example, for people spending ten years in residential care it found that:\u202f<\/span> <span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">People in North East would spend an extra 6% of their assets on care, on average, as a result of the amendment. This is equivalent to an average increase in contribution of \u00a35,700<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">In Yorkshire and Humber people would spend an extra 5% of their assets, equivalent to \u00a35,300<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">In the Midlands it would see an increase in payments worth 4% of assets, equivalent to \u00a34,600<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">These increases compare to 2% in the South East and 1% in London, equivalent to \u00a33,800 and \u00a32,800 respectively<\/span> <span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>Charles Tallack, Director of Data Analytics at the Health Foundation, said: \u201cThe government\u2019s amendment represents a significant watering down of the pledge to protect people from catastrophic care costs. At a time when the country is facing the biggest hit to household finances since the 1950s, government should be looking to increase financial protection for poorer households. Yet this measure will disproportionally affect people with lower wealth and in poorer areas of the country. This is not levelling up: it\u2019s unfair and a backwards step.\u201d<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"auto\">Meanwhile, Sally Warren, Director of Policy at The King\u2019s Fund \u2013 an independent think tank, involved in work relating to the health system in England \u2013 commented: \u201cThe government\u2019s change to the cap on social care costs is expected to save the Treasury money, but that saving comes at the expense of poorer people with lower levels of wealth and assets. Many of those people will be wondering why the Prime Minister\u2019s pledge that no one will have to sell their home to pay for their care no longer applies to them, whilst wealthier people are still protected from catastrophic care costs.\u201d\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">How are Assets Currently Calculated so That I Know if I\u2019ll Qualify for Assistance?<\/span><\/b><\/h2>\n<p><span data-contrast=\"auto\">The value of your assets is calculated by adding up your investments, savings and the equity from your property. Your property won\u2019t be included as an asset if your husband, wife, civil partner, close relative over the age of 60, or a dependent child or disabled relative lives with you.<\/span><\/p>\n<p><span data-contrast=\"auto\">In the means test, only 50% of any jointly held capital (such as a savings account), is counted. Some types of capital and income (such as certain disability benefits or pensions) are not included when you\u2019re being means-tested for financial assistance. However, the means test will assume that you are in receipt of all benefits to which you are entitled (even if you\u2019re not in possession of all of them). <\/span><\/p>\n<p><span data-contrast=\"auto\">If your home is included in your means-test, it will be disregarded for your first 12 weeks in a care home. Therefore, if your other capital assets and income are low, you may only become a self-funder after 12 weeks of care.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Am I Entitled to Benefits?<\/span><\/b><\/h2>\n<p><span data-contrast=\"auto\">If you are a self-funder, you\u2019re over the age of 65 and you need care and support, you will be eligible to claim\u202fAttendance Allowance at <\/span><span data-contrast=\"auto\">\u00a361.85\u202f<\/span><span data-contrast=\"auto\">per week. If you need help during the day and night, or if you are terminally ill, this increases to <\/span><span data-contrast=\"auto\">\u00a392.40 a week.<\/span><\/p>\n<p><span data-contrast=\"auto\">It\u2019s not means tested and is paid to you tax-free. Importantly, Attendance Allowance isn\u2019t available in care homes in Scotland because everyone over the age of 65 in Scotland is entitled to free personal care if they have been assessed as needing it by the local authority.<\/span><\/p>\n<p><span data-contrast=\"auto\">If you are under the age of 65 (and not in Scotland), you may be eligible for Personal Independence Payment (PIP). This benefit is replacing the Disability Living Allowance for people aged between 16 and 64. The PIP daily living component is paid to a person in a care home if they are paying for their own care and is \u00a361.85\u202fper week for the standard rate and \u00a392.40 for the enhanced rate.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In England, Wales and Northern Ireland, self-funders may also be able to get help with nursing care costs through Continuing Healthcare Funding (CHC) or Funded Nursing Care (FNC). <\/span><\/p>\n<p><span data-contrast=\"auto\">CHC is not means tested and pays for the cost of a person\u2019s care; funding a person\u2019s health and social care (personal care) needs as well as their care home accommodation. The care home, social worker or GP can arrange to have your nursing needs assessed to find out if you are eligible. CHC will pay for all your health care and as well as your personal care needs. To be eligible you must have a \u2018primary health need\u2019 and a care and support package will be put in place that meets your assessed needs.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A person living with dementia may be eligible for NHS Continuing Healthcare Funding to cover the cost of their care. However, because people with dementia are often assessed as having social care needs rather than health care needs, they may be found to be ineligible.<\/span><\/p>\n<p><span data-contrast=\"auto\">FNC is a flat rate contribution paid directly by the NHS to the care home towards the cost of the nursing care. The care home, social worker or GP can arrange to have your nursing needs assessed to find out if you are eligible. This money is only paid if a person who needs nursing care is in a care home that is registered to provide it. The NHS will pay a flat rate contribution directly to the care home towards the cost of the nursing care. FNC is a fixed amount each week paid to the nursing home. In England (at 11th May 2022), the rate is \u00a3209.19. It decreases to \u00a3179.97 in Wales, and <\/span><span data-contrast=\"auto\">\u00a3100 in <\/span><span data-contrast=\"auto\">Northern Ireland. <\/span><\/p>\n<p><span data-contrast=\"auto\">If you are a self-funder and\u202fpaying all your own fees, which include nursing costs, FNC might be deducted\u202ffrom the total bill. However, different care homes have different approaches to this, and in some cases\u202fFNC may be paid to the care home in addition to the fees stated to you, to make it possible to cover the cost of additional care required. You should check your contract and speak to the individual care home to find out whether receiving FNC will reduce your bill.\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Meanwhile, if you\u2019re eligible for state funding, your benefits such as a state pension or a private pension will be used to help pay for the cost of care. However, you will still need an income each week. This is called the Personal Expenses Allowance (PEA) and it\u2019s a set amount you should be left with afterwards. The PEA for 2022\/23 is:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Wales: \u00a333.99 (in Wales it&#8217;s called Minimum Income Amount)<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Scotland: \u00a328.12<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Northern Ireland: \u00a328.01<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">England: \u00a325.65<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">This allowance\u202fis for personal items and will not be taken into account by the local authority when calculating how much you should contribute towards your care. English local authorities have the discretionary power to increase the personal expenses allowance in special circumstances such as if the resident has property-related expenses or is supporting a spouse.<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Can I Sell My Home to a Relative in Order to Avoid Paying for Care?<\/span><\/b><\/h2>\n<p><span data-contrast=\"auto\">When you\u2019re being means-tested, the local authority will ask you about property ownership and bank statements. If you deliberately <a href=\"https:\/\/springbokproperties.co.uk\/blog\/can-i-sell-my-house-for-1-to-a-family-member\">transfer ownership of your property<\/a> into someone else\u2019s name, or you move money into someone else\u2019s bank account to avoid paying for your care, the local authority could refuse to fund your care because it\u2019s deemed to a \u2018deprivation of assets\u2019.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Bank statements that show you have quickly reduced your wealth before the assessment by purchasing expensive items could suggest a deliberate deprivation of assets to avoid paying for care provided by your local authority, including care home fees.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"auto\">Other examples of potential deliberate deprivation of assets include:\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Gifting a lump sum of money to a family member or friend<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Transferring property into someone else\u2019s name<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Selling a property to someone for less than it is worth<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Suddenly spending unusually large amounts of money<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Gambling<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Putting money into a trust<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<\/ul>\n<h2><b><span data-contrast=\"auto\">As a \u2018Self-Funder\u2019, How Can I Pay for My Care Without Selling My Home? <\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">There are a number of different ways that self-funders can fund their care. If you don\u2019t want to sell your home to pay for your care, you could rent it out if the rental income will cover the cost of your residential care. However, you should know that rental income is taxable.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Alternatively, you could find out more about a deferred payment scheme. All local authorities in England, Scotland and Wales have to offer a deferred payment scheme to people living in residential care. In Northern Ireland there is no formal deferred payment system but it might still be available. The deferred payment scheme means the local authority will pay for your care while you are alive and then claim the money back through the sale of your property after you have passed away. Application for the deferred payment scheme is only possible if your savings are below the upper means test threshold.<\/span><\/p>\n<p><span data-contrast=\"auto\">Local authorities can charge arrangement fees to set up the loan, as well as charge interest on the loan from the day it is set-up. Councils in Scotland often use charging orders instead of deferred payment agreements. This places a legal charge on a property ensuring the creditor is paid the money owed to them when the property is sold.<\/span><\/p>\n<p><span data-contrast=\"auto\">Another option is equity release. If you have a lot of equity in your home, you could consider raising the money for your care by mortgaging your property. However, with this option you will usually end up paying a relatively high level of interest which can make it an expensive way of paying for care. Not everybody is eligible for equity release. As well as the age restrictions (at least 55 years old for a lifetime house repayment or at least 65 for a home reversion plan), you must own a UK property that is your main residence, and it must be in a reasonable condition as well as being worth more than a predetermined value.<\/span><\/p>\n<p><span data-contrast=\"auto\">Also, if you have a house repayment or secured loan on your home, you could still get equity release, but it will depend upon the value of your home and the amount that is currently outstanding. Any outstanding amount will need to be repaid at the same time as taking equity release. For more on equity release, take a look at: <\/span><strong><a href=\"https:\/\/springbokproperties.co.uk\/blog\/equity-release-viable-option-equity-release-horror-stories\">Is equity release a viable option? Are there any equity release horror stories?<\/a><\/strong><span data-contrast=\"auto\">\u00a0<\/span><br \/>\n<b><\/b><\/p>\n<h2><b><span data-contrast=\"auto\">Those Options Aren\u2019t Viable for Me So I\u2019m Going to Have to Sell My Home \u2013 What do I Need to Know?<\/span><\/b><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">If you do need to sell your home in order to pay for your care, you could consider putting the cash from your sale into a high interest bank account. You\u2019ll need to check the access rights you\u2019ll have because high interest accounts usually lock your money away and you might need it to be accessible in order to pay your care home fees.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">When you do come to sell, it\u2019s likely that you\u2019ll need to sell quickly because you need to free up the money to pay for care. A company providing fast cash sales can be really useful because cash buyers work with motivated sellers to push through a fast sale.\u202fTo achieve super-fast sales, you as a seller will have to take a hit on your price. Cash buyers typically offer around 70% to 80% of the current market rate; sometimes more.\u202fThe amount that a fast sale company will offer to you for your property will depend upon the company. Some of the most reliable cash buying companies will use independent valuations to decide on a figure and show you the evidence that has enabled them to decide on that number.<\/span><\/p>\n<p><span data-contrast=\"auto\">Companies that buy houses will buy your house fast for cash, usually within 30 days, with most completing the sale within seven days. When you contact these house buying companies, they\u2019ll ask for your details and those of the property, after which they\u2019ll have a valuation. Then they\u2019ll give you an offer. If you accept the offer, they will process the payment and you should receive funds in your account within a few days. This means you don\u2019t have to worry about being in a chain or chasing up an estate agent.<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Any Questions?<\/span><\/b><\/h2>\n<p><span data-contrast=\"auto\">We hope this article has helped you to understand more about selling a property to fund full-time care and the benefits that are available. If you would like to speak with us about a fast cash sale, please <a href=\"https:\/\/springbokproperties.co.uk\/contact-us\">send an email or call us<\/a>.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re reading this article, it\u2019s likely that you know someone who needs to go into care (such as a parent) or it\u2019s you that does. Whatever your situation, you have our sympathy because it\u2019s never nice to feel that you have to sell a property in order to pay for much needed care.\u00a0 According &hellip; <a href=\"https:\/\/www.springbokproperties.co.uk\/blog\/avoid-selling-home-pay-for-care\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Can I Avoid Selling My Home to Pay for Care?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":672,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[65],"class_list":["post-671","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-property-selling","tag-selling-home-to-pay-for-care"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Can I Avoid Selling My Home to Pay for Care?<\/title>\n<meta name=\"description\" content=\"Worried about affording care later in life and concerned you&#039;ll have to sell your home? 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