Advice on care
Impartial Care Fee Advisers

Advice on care

Experts in paying for care

Paying for care in Wales

advice on care

If you live in Wales and need care, if your capital (including the value of your home unless a spouse or civil partner, or relative aged 60+ or who is incapacitated is to remain living in it) total more than £24,000 if you need care at home, or £50,000 if you need care in a care home (2020/21), you will not qualify for any financial help towards your care from your Local Authority or health board.

This means you will have to a self-funder  (unless you need nursing care in a nursing home - when you should qualify for a Registered Nursing Care contribution). This additional contribution (£179.97 in 2020/21) is then paid to your nursing home towards the extra costs involved in nursing. 

Even if your personal savings and investments +50% of any joint savings or investments (if applicable) are below either £24,000 for care at home or £50,000 in a care home and qualify for maximum local authority rate, you will need to hand over all your income (including a pensions and most state benefits minus a small Personal Expenses Allowance (currently, £29.50 per week 2020/21) to them towards the fees. The only exception to this is If you are married or have a partner who needs some of your pension to continue living at home – when you will be allowed to keep 50% of any private pensions you receive.


Professional Care Fees Advice

If you need to pay for your own care, to ensure your care can continue indefinitely and your money doesn’t erode totally you should consider a  Care Fees Annuity or immediate needs annuity.

In return for paying a single lump sum premium to a specialist insurer, an immediate needs annuity will guarantee to pay a tax-free monthly benefit indefinitely giving you peace of mind that care fees can continue to be met.

To find out how much one would cost, simply complete our quote request form.

Ensuring Quality Care

Don’t let the cost of care worry you – discover just how cheap a care fees annuity could be by requesting your free no obligation quote, simply by providing your details here

Please note: These plans are not offered direct by the insurers

A Simple Guide To Care Fee Funding Plans

If you live in Wales and have to fund your own care find out more about how these plans can ensure quality care and avoid all your money being eroded paying for care. Download a free copy today.


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Advice on Care
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Advice on Care
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Telephone: 0800 180 4336



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The information contained in this web site is for general information only and is not financial, investment or tax advice. It is also subject to the UK regulatory regime and is therefore restricted to consumers based in the UK. If you would like to discuss a particular issue or generally ask us how we can advise on your particular situation then please contact us.

Advice on Care is a trading style of Keith Hargraves who is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority. Quilter Financial Services Limited and Quilter Mortgage Planning Limited are entered on the FCA register ( under reference 440703 and 440718.

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