What is Long Term Care?

Long term care is the term given to long term care provided to individuals either in their own home, in community settings or residential care homes, either by family or professional carers to help with everyday activities such as eating, bathing and dressing necessitated because of chronic illness, disability or frailty.

Our Hope

We all hope that our retirement will be a long and happy one and that we retain our health, independence and dignity in our own home until the very end.

The Reality

The reality is that

  • In England alone there are 256,900 people in permanent or temporary supported care with these figures only including those people that are funded or partly funded by local authorities and not those who arrange their own care home funding, actual numbers of people needing long term care is much larger. Source: Community Care Statistics 2006 - www.ic.nhs.uk

  • Due to medical advances we are living longer. As we live longer it is more likely that due to frailty we will find it more difficult to do the basics in life.

This is supported by Government statistics which shows that although:-

  • Female life expectancy has risen from 76.8 in 1981 to 80.4 in 2001. A rise of 5%, the corresponding number of years lived in poor health rose to 11.6 years in from 10.1 in 1981 - a rise of 15 %

  • Male life expectancy rose during the same time from 70.9 in 1981 to 75.7 in 2001- a rise of 6.7%. The average number of years they might live in poor health rose to 8.7 years in 2001 compared with 6.5 in 1981 -a rise of 34 % !
    source: Department of National Statistics 22nd July 2004

There are basically 4 distinct different types of long term care which people may need, these are :-

  • Continuing NHS Health Care
  • Intermediate Care
  • Domiciliary Care
  • Residential Care Home

To find out more about the different types of long term care and the financial implications of each, call us on 0800 970 4885 or complete an enquiry form.

Enquiry Form

Advice on Care is a trading style of Advice on Money which is an appointed representative of Sesame Ltd, which is authorised and regulated by the Financial Services Authority. Sesame is entered on the FSA register (www.fsa.gov.uk/register) under reference 150427.
Please read our Privacy Statement before sending any enquiry form or e-mail to us.

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.

For researching and arranging the best equity release scheme for you, we will make a charge. This can be paid either by you as a fee, usually 2.25% charged on completion with any commission received from the lender refunded to you, or a combination of fee and commission, usually 1.25% fee charged on completion and 1% commission received from the provider.

“Equity release” includes home reversions plans and lifetime mortgages.
To understand the features and risks, ask for a personalised illustration.

Home - Who Are We - What is Long Term Care - State Funding - Paying for Care
Enquiry Form - Brochure - Job Vacancies - News
Home Checklist - Introducer Area - Resources - Sitemap