Advice on Care
Advice on Care is the specialist Long Term Care division of Independent Financial Advisers, Advice on Money. We specialise in offering long term care advice to clients, families and personal representatives on how long-term independence, dignity and care can be maintained. We are based in Reading in Berkshire, although we cover the whole of the country.
This technical knowledge is further augmented by our Principal having had personal experience of finding suitable long term care for his own mother so you can be assured that the anxiety and concerns that you may be facing will be fully understood and that your enquiry will be treated with all the professionalism and understanding you would expect.
We have up to date information on:
- Local Authority Funding rules
- Social Security Rates
- Costs of Care
- All Long Term Care Insurance Plans
- Schemes to release equity from your home to provide for care.
How we can help
We will contact you to discuss your requirements further and to discuss whether you would like us to visit you to:
- Discuss all methods of funding for long term care.
- Explain further the rules surrounding long term care
- Check to ensure the person in need of care is claiming all benefits they are entitled to
- Calculate what shortfall in care costs they have.
- Complete for you an initial medical information form to allow us to obtain impartial underwritten quotes on the best Long Term Care Insurance deals in the market.
- Ascertain all facts to produce an initial report along with the quotes once received.
- Once we receive the quotes we will contact you once again to discuss the premiums and confirm your interest, and then prepare the application and paperwork for you to sign and return it to us.
"Equity Release" includes both home reversion plans and lifetime mortgages. To understand the features and the risks, ask for a personalised illustration.
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 refused to you, or a combination of fee and commission, usually 1.25% fee charged on completion and 1% commission received from the provider.
