Do you have to sell your home to pay for care?

31 December 2020

Finding the money to fund long-term elderly care can be a worry but as this article shows, you do not need to sell your home in order to pay for care.

Financing long term elderly care can often be one of the most stressful aspects of organizing care for either yourself or a loved one. There are a variety of care options available depending on your circumstances but none of them are cheap and when it comes to something as important as the right elderly care; you will want to pay for the best care possible.

Research by the Live-in Care Hub suggests that many service users have sold, or considered selling, their homes in order to ensure that they have enough finances to comfortably afford long term elderly care for a loved one or for themselves. However, this doesn’t always need to be an option. There are other options available and other financial routes you may take.

Financial help from your local council

If you or your elderly relative do not have large amounts of savings to fall back on to help pay for elderly care then you may be able to apply for social care benefits which will help you to pay for care. This money can be put towards the cost of residential care homes or help to pay for domiciliary of home care services. When there is a medical need for elderly care, the NHS may cover the cost of nurse care.

If your elderly relative has savings of below £23,250 then they may meet the requirements for financial support for their care from your local authority. Your care needs will be assessed by your local social services to determine the level of care required before any benefits are paid. The amount you receive will also depend on how much you can comfortably afford to pay towards your care yourself as well.

Alternatives to expensive care homes

Residential and nursing care homes are without a doubt the most expensive elderly care options. Although your relative may reach a point where they require round the clock support and care, this does not always have to be within a care home setting.

Live-in care services are an excellent bridge between casual support and residential care homes. A carer will move into your or your relative’s property in order to provide care and support for as much time as is required. This will allow your relative to remain in the comfort of their own home which can help with many aspects of both physical and mental wellbeing. Live-in care is also a much more financially viable care option for many families as costs are markedly lower than the cost of moving into a care home or having domiciliary carers coming into the property in shifts.

Live-in care agencies can work with you and your financial budget to find a care plan that suits your needs and your budget. Any social care funding that you are entitled to from your local council can also be used to fund this type of care package which will help to further ease any financial burden so that you do not need to sell your home to fund your elderly care.

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Ariana Smith

I enjoy writing and I write quality guest posts on topics of my interest and passion. I have been doing this since my college days. My special interests are in health, fitness, food and following the latest trends in these areas. I am an editor at Content Rally.

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What Emergency Survival Tools Should You Have with You?

Emergency survival tools are all the things that can help people get by in a time of need. When you are trying to be prepared, you must take some time to understand what each tool is for. You want to know how to use it so that you can be as prepared as possible. That way if you should need it, you will have it readily available. This article will give you some ideas on what you can carry to have with you in times of need. Here are what emergency survival tools should you have with you: Fire Starter Kit The first emergency survival tool is probably the simplest. A fire starter is a small tool that can easily be carried around and used in a pinch. They can be used in several ways and can be very useful in times of emergency. They can be put into batteries or you can use the solar ones, which come in handy during the summer. If you do have a solar battery, this is a great idea. This will allow you to use them year-round and they will cost you very little money. A fire starter is something that many people, especially men, have around the house. There are many types of starters, but the ones that you will find in most stores are not of the best quality. I would suggest looking for a better starter to make sure you do not have any problems with your fire and that you will be safe from any potential fires. A good fire starter will help you out in many ways, starting fires is not one of them. Hopefully, this article will help you and give you some ideas on what you should look for in a fire starter or check out Survivaltechie.com for more tips. Flashlight Another tool that is great for emergencies is a flashlight. In most cases, most flashlights are small and foldable and can be easily carried around. A flashlight can be a lifesaver during a night out or in a time of trouble. You can also buy one of the more expensive flashlights that will have many more features than the cheap ones. Flashlights come in a variety of different shapes and sizes and they come in all different colors and styles. Many of the newer flashlights have infrared technology that will allow them to be used in many ways when needed. They can be small, but they can also be extremely bright. When you are having a hard time trying to find the time to put aside to buy that survival light for your vehicle then consider making your own by purchasing a pre-made survival light kit. Having the ability to store all the parts you need and having a backup for emergencies is nice but if you find yourself in a jam for the sake of a flashlight you will be sorry. Keep reading for some helpful tips on making your own kit. Multi-tool Knife The multi-tool survival knife is the best way to use if you like to work with tools. Most people who like working with tools cannot survive without one, because they know that it is more useful than any other. The tool is made of chrome-plated steel and is very strong. You can use this knife to do things like cutting wood, cutting wire and nails, carving and many other things. It has different features like serrated edges and serrated points. The knife can be used in several ways. It can be used to clean up your pets, cut firewood, use as a tool for gardening, prepare foods and open boxes. Read Also: The Best Multi-Tools for Woodworkers –Top Awesome Inventions Factors To Consider While Preparing For A Move

Concealed Carry Gear Is Critically Important

If you recently obtained your Michigan CPL license, congratulations. You have made a smart and responsible move to help ensure you have the ability to protect yourself, your family, and your friends when facing an imminent threat of great bodily harm. Now that you have your permit, you might wonder what to do next. Properly and legally carrying a concealed firearm requires more than having a pistol and a permit. You also need the right gear. Let’s take a closer look at the concealed carry gear you should obtain to legally carry concealed firearms all year long. Concealment Holster To Secure Your Firearm You should never tuck a pistol in your pants and count on the belt to keep it in place. You certainly do not want to carry a handgun in your pocket, because that could lead to an accidental discharge that lands you in the hospital and could trigger criminal charges. Instead, you need to obtain a dedicated concealment holster that enables you to carry your firearm securely and without tipping off others to its presence. For example, a Glock 19 concealment holster should enable you to carry while securing the firearm comfortably. The holster might fit inside the waistband of your pants and have a hook and a belt loop to keep it in place. It also might fit outside the waistband, but you would need loose clothing to cover it – or do open carry where it is legal. You also might try a shoulder holster that fits comfortably beneath a loose-fitting jacket or shirt, and a belly band holster could keep your firearms on your hip. A pocket or ankle holster could be useful for carrying a backup firearm, such as a snub-nose .38 or Ruger LCP. You might also use one type of holster during the hotter summer months and another during the colder winter weather. Read Also: What Are The Top Reasons For Hiring A Criminal Defense Attorney Clothing Is Important For Concealed Carry Your clothing greatly affects your ability to carry a concealed firearm competently. It also makes a big difference in whether or not you are legally carrying concealed. Clothing that fits too tightly could make drawing and using your firearm impossible in an emergency. That consequence might be deadly. You also need to wear concealed carry clothing that does not cause imprinting that clearly shows you have a firearm on your person. Loose-fitting jackets and shirts are ideal for carrying a concealed firearm. They give you a natural look without revealing the location of your concealed weapon. A normal-looking outfit that fits well while concealing your firearm is the perfect choice for carrying a concealed firearm. Additional: Criminal Law Enforcement Important Questions To Ask Before Hiring A Criminal Lawyer What Happens At A Preliminary Hearing Of A Criminal Case In Knoxville?

The Diet To Follow For A Healthy Gut

The fact that a healthy gut can improve your well-being and maintain your fitness levels is no secret. When your gut is unhealthy, it’s difficult to control your weight, your immunity isn’t as effective, and your heart and brain might also be impacted. So, with that in mind, there are a number of foods that you need to avoid to ensure your gut remains healthy, as we explain below. Foods To Avoid To Maintain A Healthy Gut 1. Excess sugar Although the body requires sugar to function, too much sugar is bad for you and can impact your body in a whole host of negative ways. When you eat sugar, it is absorbed by the upper section of your gut. However, when your sugar intake reaches a certain level, it moves down to the lower section of your gut, which is where the vast majority of your healthy bacteria can be found. As a result, the excess sugar can prevent healthy bacteria from colonising your gut, which leaves space for unhealthy bacteria to thrive. Therefore, limit your daily sugar intake to 24g (women) or 36g (men). 2. Highly processed foods If eaten infrequently, highly processed foods won’t do you a great deal of harm. However, if they make up a substantial part of your diet, they will cause issues for your gut. Typically, foods that are highly processed contain very little fibre. Instead, they are high in fat and sugars that your body digests quickly. As a result, there is very little food available for your gut microbes, which love to eat complex fibres found in whole foods like nuts, fruits and vegetables. In the UK, most people take just 18g of fibre a day, which is way short of the recommended 30g. Although it’s difficult to change your eating habits, try and switch out foods like crisps and sweets for seeds, nuts, and fruits if you can. 3. Alcohol Drinking too much alcohol can negatively impact so many aspects of your general health and well-being, and the gut is no exception. Specifically, alcohol is known to reduce the strength of your gut wall, which can lead to a condition known as leaky gut. As a result, you become more susceptible to a range of bad bacteria and toxins that pass through the wall and into your bloodstream. To help you plan your alcohol consumption, you should aim for no more than fourteen units per week. 4. Red meat When enjoyed as part of a healthy diet, red meat isn’t bad for you. However, generally speaking, microbes prefer plant-based foods over animal products. Eating excessive amounts of red meat can be a problem due to a compound called L-carnitine. When broken down by your gut microbes, it produces TMAO, a chemical that can harm the health of your heart. Consider halving the amount of red meat you add to your lasagne, replacing it instead with lentils - this is a great way to limit your consumption. Consider a Gut Health Supplement In addition to improving your diet and limiting your intake of certain foods, taking a gut health supplement can be an excellent way of boosting the health of your gut. Sons’ gut health supplement is effective in 9/10 men, and when taken regularly, it can improve your overall health and well-being. Additionals: 8 Awesome Health Benefits Of Dark Chocolate Psychedelic Therapy for Mental Health Conditions How Does Children’s Health Impact Parental Lifestyle? What To Look For And What To Avoid In Healthy Dog Treats

Do you have to sell your home to pay for care?

Financial help from your local council

Alternatives to expensive care homes

10 Instagram-Worthy Hens Party Ideas-Without Losing Your Mind

Planning Your First Date: Here Is How You Can Blow Them Off Their Feet

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Ariana Smith

I enjoy writing and I write quality guest posts on topics of my interest and passion. I have been doing this since my college days. My special interests are in health, fitness, food and following the latest trends in these areas. I am an editor at Content Rally.

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What Emergency Survival Tools Should You Have with You?

Concealed Carry Gear Is Critically Important

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Tags

I enjoy writing and I write quality guest posts on topics of my interest and passion. I have been doing this since my college days. My special interests are in health, fitness, food and following the latest trends in these areas. I am an editor at Content Rally.

Leave a Reply Cancel reply

Popular

Follow Us

Recent

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