PAYING FOR CARE...

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In many cases the decision for a family member and loved one to receive care or move into a care home is a difficult and sometimes upsetting one. With a lot to think about and do, this can be an incredibly overwhelming process. How do you ensure they receive the treatment and care they  need and deserve? How do you choose the best care home? Are they eligible for state benefits? What questions should you be asking and where will the money come from to pay for it all? It certainly wouldn’t be the choice of most families and individuals that virtually all of the estate is spent on care fees when that could potentially be avoided by seeking expert advice and guidance. 

WHAT I DO… 

Penny understands that long term care is an especially sensitive area and so works closely with the family of an individual in care - her main aim is to ensure that anyone who has to enter into long term care has a fully considered set of options laid out. She firmly believes that this helps families make the right decisions about money, ensuring financial security and peace of mind for the individuals or families concerned, whether they receive care at home or in a residential care home.  

WHAT TO EXPECT… 

Penny is now widely regarded by many as a go-to specialist in the field of long term care planning, working closely with Powers of Attorney, families, solicitors and the local authority to find solutions when planning for the longer term cost of care for those in their later years.  Penny can help you understand and talk you through…  

• The care system and how it works  
• Ensuring the appropriate benefits are being claimed  
• The role of your local authority and their responsibilities including understanding the financial assessment
• The pro's and cons of selling the family home  
• Saving tax including Inheritance Tax  
• ​Your responsibilities and duties as a Power of Attorney  
• Providing insight into sensible investment choices  
• How to meet care costs and protect capital

WORKING WITH THE ECF… 

Penny set up The Edinburgh Care Forum and is extremely proud of it. She truly believes that in the area of Long term Care, people should deal with specialists so they get the right level of advice and support. As the founder and a dedicated member Penny knows you have choices when it comes to paying for care and that having 'understanding and caring experts' available to guide you through the process can often significantly impact and reduce the amount of money, time and emotional strain that many individuals experience in this area of planning.