Every year, 70,000 homeowners in the UK are forced to sell their homes to cover care fees. The shocking truth is that many people believe the NHS will cover their care costs – but this isn’t the case.
If you own a home or have savings over £23,250, you’re classed as a self-funder, meaning you must pay for your own care.
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Catherine’s Story: A Widow Forced to Sell Her Home
Catherine, a widow from Merseyside, had lived in her home for over 40 years. But after being diagnosed with dementia, she faced care fees of £1,077 per week.
With no way to afford these costs, Catherine was forced to sell her home – losing the property she had worked hard for her entire life.
This is the reality for thousands of families across the UK. Most don’t realize the financial burden until it’s too late.
Why Doesn’t the NHS Cover Care Fees?
Unlike healthcare, social care is means-tested. This means:
✅ If you have less than £23,250 in assets → The government pays for your care.
❌ If you own a home or have savings → You must pay for your own care fees – even if it means selling your property.
Meanwhile, those in council or rental housing receive the same care for free.
Can You Legally Protect Your Home? YES!
Many people don’t realize there are legal ways to protect their home and assets from care fees – but only if steps are taken in advance.
There are estate planning options that can:
✔ Ensure your home stays in your family
✔ Legally safeguard your assets from care fees
✔ Give you peace of mind for the future
The key is to act before it’s too late.
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