Personal Legal Services

Long-Term Care Planning

Planning for long-term care is crucial in securing your future and that of your loved ones. At Garratts, our team of expert wills and probate solicitors is dedicated to guiding you through the complexities of long-term care planning and estate management. 

The importance of early and thorough long-term care planning cannot be overstated. As noted by Age UK, one of the UK's leading charities supporting older people, planning for future care needs is essential to ensure that individuals have access to the care they require and that their preferences are respected. 

Our legal experts, with over 30 years of experience in the field, are well-equipped to handle the intricacies of long-term care planning. We approach each case with the utmost professionalism and discretion, ensuring that your plans are tailored to your unique circumstances and goals. To discuss your needs with one of our specialists, call us on 0161 665 3502 or request a callback.


What does long-term care planning entail?

Long-term care planning involves preparing for future healthcare needs and support services. This process includes:

  • Assessment of needs: Evaluating your personal care requirements and preferences.
  • Financial planning: Understanding and planning for the costs of long-term care, including exploring insurance options, government programs, and personal savings. Although we cannot offer financial advice, we are happy to work alongside your chosen financial advisor to provide holistic advice. 
  • Legal preparation: Setting up advance directives, lasting power of attorney, and other essential legal documents.
  • Estate planning: Ensuring your assets are protected and your legacy is preserved.


How can I protect my assets and loved ones from long-term care costs?

Protecting your assets and ensuring your loved ones are not financially burdened by long-term care costs involves comprehensive estate planning and astute asset management. Wills & probate solicitors specialise in creating bespoke strategies that safeguard your legacy while catering to your long-term care needs. 

We can advise you as to the appropriate use of trusts to protect funds and property for specific purposes like long-term care. Additionally, Garratts can guide you on legal matters such as powers of attorney and advance directives to ensure decisions regarding your assets and care align with your wishes. 

Our approach is about protecting your assets and providing peace of mind for you and your loved ones, ensuring a secure future.


What are the four main steps in long-term care planning?

Long-term care planning is a critical process that involves several steps to ensure that your future care needs are met effectively and in line with personal wishes. The four main steps in long-term care planning include:

  1. Understanding care needs: The first step in long-term care planning is to assess the type and level of care you might require in the future. This involves considering various factors such as your current health status, family medical history, and potential future health scenarios. It is important to consider the support you need, whether it is assistance with daily activities, medical care, or more comprehensive support.
  2. Financial assessment: Once you know the type of care you need, the next step is to evaluate your financial resources to cover potential care costs. This includes looking at your savings, investments, pension, and other income sources. Understanding your financial capacity is crucial in planning for care expenses, which can be significant, especially for long-term needs. We would always recommend that you obtain independent financial advice appropriate for your needs.
  3. Exploring care options: By understanding your care needs and financial resources, you can then explore the available care services and facilities. This might include in-home care services, residential care homes, or specialised nursing facilities. Each option has its own benefits and costs, and choosing the right one depends on your individual care needs, preferences, and financial situation.
  4. Legal and estate planning: The final step involves setting up the necessary legal documents and planning your estate to ensure your wishes are honoured. This includes creating or updating your will, setting up trusts if necessary, and arranging lasting powers of attorney. These legal steps are essential to ensure that your assets are managed and distributed according to your wishes and that decisions about your care can be made according to your preferences if you can no longer make decisions yourself.


What are the costs involved in long-term care planning?

Understanding and preparing for the costs involved in long-term care planning is crucial for effective financial management in later life. The expenses associated with long-term care can vary significantly, depending on individual requirements and preferences. 

Key costs typically include care home fees, which can vary depending on the location and type of care home, and in-home care expenses for those who prefer to receive assistance in their own home. Additionally, there may be other related healthcare costs, such as medical treatments, therapies, and any necessary modifications to the home to accommodate care needs.

Working with a wills & probate solicitor can provide valuable insights into these costs, helping you to develop a comprehensive plan that addresses your specific long-term care needs. They can assist in exploring various funding options, such as private savings, insurance, and potential government assistance, to create a balanced approach to covering these expenses. Moreover, a solicitor can guide you through the legal aspects of asset management and protection, ensuring that your financial planning aligns with your long-term care objectives.

For detailed information on the fees associated with our wills and probate services, which can play a pivotal role in your long-term care planning, please visit our Wills and Probate Fees page


What are the benefits of working with a probate solicitor for long-term care planning?

Choosing a probate solicitor for your long-term care planning offers numerous advantages, ensuring that your future care needs are approached with expertise and compassion. 

Here's why partnering with us is a wise decision:

  • Expertise in long-term care and estate planning: Our team possesses extensive knowledge and experience in long-term care planning and estate planning. This expertise is crucial in developing comprehensive plans that cater to your needs, ensuring that all aspects of your future care and estate are meticulously planned and managed.
  • Competitive fee structure and transparent billing: We understand the importance of clear and straightforward financial arrangements. Our competitive fee structure and transparent billing practices ensure you are fully informed and comfortable with every aspect of our service costs. 
  • Personalised attention and compassionate support: At the heart of our service is a commitment to personalised attention. We believe in providing compassionate support tailored to each client's unique situation, ensuring you feel understood, respected, and valued throughout our partnership.
  • A proactive approach to future care needs: Our proactive approach to planning means that we do not just react to situations as they arise; we anticipate future challenges and opportunities. This forward-thinking strategy ensures that all potential long-term care scenarios are considered and planned for, giving you peace of mind for the future.
  • Navigating legal and financial complexities with ease: The legal and financial aspects of long-term care planning can be complex and daunting. Our solicitors are adept at navigating these intricacies, providing clear guidance and effective solutions. Whether it is understanding care home fees, managing assets, or exploring funding options, we have the expertise to handle it all.

Why choose Garratts for long-term care planning services?

Choosing Garratts for your long-term care planning needs means entrusting your future to a team renowned for its expertise and compassionate approach. Our solicitors are highly skilled in navigating the intricacies of long-term care planning and estate management, ensuring that your plans are tailored to your unique circumstances and future aspirations.

We understand the importance of convenience and comfort, especially when discussing sensitive matters like long-term care and estate planning. We offer consultations at your preferred location, at home, in the hospital, or at one of our offices across various locations.

For comprehensive long-term care planning and wills & probate services, contact us at 0161 665 3502. You can also use our online enquiry form for a swift and thorough response to your questions. At Garratts, we are committed to providing you with the guidance and support you need for a secure and well-planned future.


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