Residential care can cost £50,000 a year or more, and the need for it is hard to predict. We help families plan ahead, so the financial decisions are already made before a crisis forces them.
Interactive NI Care Guide
Our free, plain-language guide for Northern Ireland covers needs assessments, financial assessments, what the state will and won’t pay for, and the thresholds that decide whether you’re likely to be self-funding. It’s guidance, not financial advice, and it’s kept up to date with policy changes.
Why plan ahead
Local authority funding thresholds are low, so most families end up largely self-funding. Planning early doesn’t mean expecting the worst — it means the decisions are already made if care is needed, for you or a parent, rather than rushed under pressure.
How we help
- Explaining what the state will and won’t cover, and when
- Modelling how your assets and income would hold up under different care scenarios
- Advising on products built for care funding, including immediate needs annuities
- Protecting the wider estate from unnecessary disruption
- Supporting adult children making care decisions for a parent
Northern Ireland: why it’s different
Care funding in Northern Ireland works differently from the rest of the UK. People with serious healthcare needs — needs that would be fully funded elsewhere — are often required to deplete savings or sell the family home. Getting advice early, before a crisis, makes a real difference here.
Care Navigation Service
We are also pleased to provide access to a service from our partner, My Care Consultant — an independent care navigation company. My Care Consultant has recently launched a web-based service called My Care Hub, designed to support those in need of care and their families, unpaid carers, and attorneys.
If you need care, or are thinking about the prospect of caring for an older family member, My Care Hub provides a significant amount of practical and financial information, including guidance on:
- Where to find the most appropriate care, right now
- How to assess whether it is the right fit
- Who will pay for it, and what financial support is available
- If you need to fund care privately, what your options are
My Care Hub highlights both financial and practical support that you or the person you care for may be entitled to.
A useful plain-English guide to care funding in the UK, produced by My Care Consultant.
