THE ENGLISH MUTUAL APPROACH Heading up English Mutual Care Fees Planning, Nicola Bywater and her team of expert advisors offer a friendly, down-to-earth approach to understanding individual objectives, explaining options and delivering appropriate solutions.

CARE FEES PLANNING TAILORED TO INDIVIDUAL NEEDS, MEANS AND EXPECTATIONS

Thousands of family homes continue to be sold to pay for long term care. Many estates are eroded away – leaving little of hard earned, cherished assets for inheritance. Is your family prepared to cope with the potential ravages of care fees?

As with all care-related matters, it pays to consider the options, well before crisis need arises. It also pays to appraise the options with advisors skilled in the holistic considerations of funding and estate planning. That way, you can be better prepared to realise both the nature of care preferred and the protection of capital assets wherever possible.

Care Directions is impressed with the Care Fees Planning expertise and experience of English Mutual – to offer practical and effective solutions which can cover the full spectrum of individual requirements.

The holistic approach to Care Fees Planning

Whether the care preference is to move to a care home, or to remain living in one’s own home, continuity is paramount – being in a position to maintain a preferred location and level of support, for as long as required. English Mutual specialist advisers can help you, or those you care for, to realise enduring satisfaction and control It’s an holistic approach that can embrace:

– Immediate Care Plans

– Equity Release

– Property Sale

– Benefits Advice

– Inheritance Planning

– Enduring Power of Attorney/Lasting Power of Attorney

The Immediate Care Plan

Put simply, this is an annuity, where capital is invested to return an agreed tax free amount at regular intervals – paid to a care home, or domiciliary care provider, for the rest of a person’s life. A lump sum is required to purchase an Immediate Care Plan. The amount needed is based upon age, health, gender and shortfall to be covered – which is generally the amount between the care fees required and the income being received.

English Mutual can provide independent advice in relation to these plans – to ensure they are tailored to individual and personal needs. This advice embraces a range of features designed to cut the cost of long term care:

• Possible to cap the cost of care

• Protect the person in need of care outliving capital

• Continuity of preferred mode of care

• Protection of assets

• Financial independence

• Capital protection from early death

The issue of ‘annuity waste’ often comes up in English Mutual client consultations. “Will the full amount paid over be lost if death occurs shortly after the policy is purchased – as is the case with pension annuities?” It should be noted that an Immediate Care Plan has the ability to protect up to 75% return for a specific period, by the payment of an additional premium amount. It is also possible to include a short term protection, whereby a proportion of capital is returned if death occurs within six months – at no extra cost, or at a small extra cost depending on the plan most suitable to needs.

Find out more today

To find out more about the English Mutual holistic approach to Care Fees Planning, simply complete and submit the form below – which also gives you the option of requesting a convenient ‘Call Back’ from an expert advisor.

Please click as appropriate:

	I would just like to receive a free copy of English Mutual’s ‘Guide to Care Fees Planning’ at this time.
	I would like an English Mutual specialist Care Fees Planning advisor to contact me, for a free initial discussion.
	I am currently self funding care.
	I have an imminent need to fund care.

I understand that I will be under absolutely no obligation to proceed further after making any request.

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English Mutual Sutton Coldfield Limited is an appointed representative of English Mutual Holdings Limited which is authorised and regulated by the Financial Services Authority.

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