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Individuals

"My name is Eddie and I was the third resident to be admitted to Bentley Court. I was made to feel very special. I have been in care for nearly 10 years, so I have experience of other care homes. At Bentley Court I have the space and freedom to entertain myself if I choose. I am so close to the local community I can take myself to the park and the staff will often escort me to the local town centre, weather permitting! The staff at Bentley Court are very friendly and will do anything to help."

Funding

As every person is different, we believe it's important to discuss their individual situation and so would encourage you to visit one of our homes and speak to the home manager.

Fees

Funding for care is provided by the NHS, the local authority or the individual resident. Fees are dependent on the care required and will be determined by a comprehensive needs based assessment prior to a resident entering the home. Please contact the relevant care home manager for further details and click here to view our leaflet Paying for care - a rough guide.

Insurance policies to pay for care

Immediate care insurance may be suitable if you are currently considering moving into a care home. It involves paying a single sum at the time you decide you need care. The cost is based on how long the insurer thinks you'll need care for, and the level of care you need.

While the cost can seem a large amount, it should provide a fixed payment for as long as you need care, and can protect the rest of your assets.

The payments are tax-free if they are generally made directly to a care home and are portable if you decide to move to a different home.

Long-term care insurance, where you pay premiums over a lengthy period before you actually need care, is no longer widely available. If you have already taken out one of these policies it should still be honoured. All policies are slightly different. We suggest you speak to an independent financial adviser who specialises in care fees planning.

Among the questions to ask are:

What are the benefits and for how long will I receive them?
What is the maximum amount the insurer will pay out per month?
Should I take out capital protection so that the balance of any lump sum is returned to my estate?
Are the benefits paid to me so that I can arrange my own care, or paid direct to the care home?
Are the benefits protected against inflation?

Where can I get advice?

Paying for care is a complex subject, and everyone's situation is different. You should seek advice about your own case. Among the organisations offering specialist advice are:

Charities: