Clients must beware care cap

The director of Lancashire-based advisory firm Carepal warned the new care ‘cap’ does not include living costs, and will only be applied to the cost of care homes and any home help if the local authority identifies a “substantial” need for care.

As part of the reforms introduced by the Care Act, local authorities will assess the value of care costs that count towards the cap but regulations have yet to be published.

A further complication is the unknown rate of interest on deferred payment arrangements, where legal charges are levied against the individual’s property.

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Ms Faye said: “The ideal scenario would be for everybody to plan ahead for care, which would give them the most choices. In practice, it does not work like that and people are often suddenly faced with a care crisis.”

Symponia has launched a website to help people find out more information about their care-funding options, whether they are self-funding or seeking help from local authorities. The care advisory network has made a wide range of factsheets available free on the site, but those who join Club Symponia for an annual fee of £14.40, or a one-off membership fee of £24, can access additional benefits. Members of Club Symponia can take part in forum discussions and contact experts for tailored guidance about their situation.