What is long term care?

 Long term care is the provision of help and support to those older people who are unable to carry out daily activities due to mobility problems, disability or other condition associated with getting old, whether provided in their own homes, at a day centre, or in a residential or nursing home setting.

Greater peace of mind

 There will come a time in most of our lives when we will need help with our daily routine. 

You could pay for this care yourself

Alternatively why not use a specially designed plan to meet your needs? 
Lifetime Care costs can be guaranteed without eroding all of your life savings.

For example-Norwich Union's Immediate Care plan is a new type of insurance which will provide you with the choice of using your income from the plan to fund the care you need yourself, or to choose from our comprehensive care services package.
The immediate Care plan will provide you with the choice of care packages in the event that you need care.

Care tailored to your individual need

Care services plans can provide the care you require whether it is administered in your own home or residential/nursing home.

Looking after your needs

Buying an Immediate Long term Care plan could provide you with the reassurance of looking after your needs when you need it most.

Questions and Answers click here


To find out about the technical details of long term nursing care, click here.

So is there really an alternative?

To ensure greater peace of mind in your later years long term care needs to be part of your long term financial planning.
Next steps

Who pays for long term care?

The government recently announced that they would pay for the costs of long term nursing care. Good news ?
Nursing care costs will be paid for. 
Unfortunately the residential element will not paid for by the government, and this forms the largest part of the cost of care.
This means that most of the £18,000 (average annual  cost of long term nursing care will have to be paid by you. 

Your Choice

Care in your own home 
or 
Care in a residential home

When you need a little help to get through each day you need someone who can provide nursing care to help you stay in your own home. 
CJR Associates are able to guide you through the range of Companies and plans that can provide you with the services that you need. 
By arranging a number of care packages which are designed for qualified nursing staff to provide regular visits, we can arrange for you to remain in your own home.

Keep your independence and dignity

Many people are reluctant to give up their independence. They dread the thought of becoming a burden on their children or other relatives. 
The new range of Long Term Care plans are designed to provide you with care, tailored to your individual needs.

Personal care in your own home plans provide non-medical care in your own home which can be provided to suit your individual needs. 
It will assist in such functions as getting up and dressed, assistance in being put to bed, preparing meals...etc.

In addition a Home care service can provide help around the home, such as professional house cleaning and laundry services, shopping to be done and delivered direct to your home. Due to your changing needs you may also need help you adapt your home.

By selecting an appropriate plan you will be able to pay the costs of your care in advance, allowing you the peace of mind to concentrate on living  your life.

Planning for your care in your later years is a big decision and doubtless you have many more questions that you would like answered before you make a decision.

For more information and advice contact your specialist Independent financial advisers CJR Associates.

You may also be able to fund the cost of nursing care by using a flexible cash release plan to release capital from your home. 

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