Care Planning Adviser in Cambridge

For the best care planning advice in Cambridge talk to us because we can help you or a family member take control over the most signifant decisions you'll need to make.


Care Planning Adviser Cambridge

Funding care in later life involves planning for the costs of specific needs unique to older people.

Aspects like where you live, how much capital and income you have at your disposal and perhaps most important of all, how you pay for your care.

This is particularly significant as care costs in England are not covered by the state in the way that health costs are. In fact, anybody with assets worth £23,250 or more – including the value of their home – is required to pay for all of their care. This means that without the right planning, people might have to use up their savings and other assets to cover their care costs and this may even mean having to sell their home.

Paying for residential care in a care home is expensive

There is some help available to meet the cost, but the care system can be complicated and difficult to find your way through. You may also be eligible for financial help from your local council or, in some circumstances, from the NHS.

If you are eligible for funding support, your local council could pay some or most of the fees. Your local council will carry out a care needs assessment which includes a financial assessment, called a means test, that looks at your income and savings.

The means test will assess whether you can afford to pay for your own care and whether you’re eligible for financial help from the council.

Ask us a question

How much will I have to pay for care?

Care home fees will vary depending on the area that you live in, the individual care home itself and your personal financial circumstances. Costs range from around £600 a week for a care home place and over £1,000 a week for a place in a nursing home.

Your local council will calculate the cost of your care and how much you have to contribute from your resources. This figure must be realistic and allow you to access an appropriate level of care in a local care home.

If all your eligible income is taken into account in your ‘means test’ (how much you can afford), you must be left with an income of at least £24.90 per week. This is known as your ‘Personal Expenses Allowance’.

If you have health care need the NHS may also contribute towards the cost of your care. If you’re eligible for NHS continuing healthcare, your care home placement may be free.

How could my finances and property affect my fees?

If your local council carries out a care needs assessment and finds you need a care home place, they will do a means test. This may take into account the value of your property, if you own one, as well as your income and savings.

Here’s how the means test for social care will look at your capital (your savings and property) and how this will affect your care home fees.

Your capitalWhat you will have to pay
Over £23,250You must pay full fees (known as being self-funding).
Between £14,250 and £23,250The local council will fund some of your care and you’ll contribute to the rest.
Less than £14,250This will be ignored and won’t be included in the means test – the local council will pay for your care. However, they will still take your eligible income into account.

Certain types of income, including certain disability benefits and pensions, may not be counted in the means test. This is the same for certain types of capital, including insurance bonds. All other income and capital can be taken into account.

What people say about us:

I have always been very satisfied with the advice and service I receive from them.

- Jennifer Hoyos

My adviser Chris Galpin is very good at explaining how our investments and pensions work, and he is always available should we need advice.

- Annie Roberts

We used the services of the Chris Galpin and I cannot rate his helpfulness, knowledge or patience highly enough. He very efficiently soughted out the best mortgage for us and then got on with the application process with the minimal amount of fuss. Nothing was too much trouble and I will be using him in the future.

- Fiona Gilbert

All our dealings to date have been excellent, they have listened to our requirements made suitable suggestions and implemented them in a friendly and professional manner.

- Michael Dearman

I have had honest advice and when my husband died they did all the necessary paper work for me very swiftlly and did not charge. A friendly professional firm who quickly understand your needs – no hard sell – your protection paramount.

- Patricia Revel

I get a good personal service from an experienced and thoughtful person whom I have known for 30+ years, and trust. That’s very valuable to me even when we don’t entirely agree on priorities! He also advises me on things I need to get around to doing, and I usually follow his advice.

- Penny Henderson

I have been with Dartington since before they were Dartington, and the level of service has continued at the same high standard.

- Adrian Moxon

They were recommended to me and I have already recommended them to others. They are good at explaining things in a way I understand.

- Sheila Thomas

Never had any problems. Friendly consultancies.

- Roger Stratford

I trust my adviser.

- Jon Daly

The financial adviser I have dealings with has been excellent over the years.

- Janet Huskinson

My experience has been very good, especially the personal help from Philip Bowden-Pickstock.

- Christine Jolly

I was very happy with the service that Dartington provided with respect to our new mortgage and I have already recommended them to a friend.

- Dr Michael Gifford

Our Address

Dartington Wealth Management Ltd.
5b Clifton Court,
Cambridge CB1 7BN

Tel: 01223 211 122

Our Newsletter

Subscribe to our newsletter to get the latest scoop right to your inbox