Care Journey

First and foremost, Eldercare is here to provide advice, support and guidance for ‘self-funders’ because research suggests that about 85% of those having to meet care cost themselves either get no advice or they receive advice that does not include information about all their funding options.

If you are unsure whether or not you will be classed as a self-funder, please just give us a call on 0800 082 1155 and we can tell you.

Once you have had a look through the pages of this website, watched our video and read our Guide, many of your questions will hopefully have been answered and you will know if our service is relevant to you.

If you want to hear from other people that have used our service, please look at our genuine reviews at

Initial telephone conversation

If you think we can help you, the Care Journey starts with you making a simple phone call to our Freephone number 0800 082 1155.

We will carry out a brief assessment of your situation and so it is helpful if you can have as much information to hand as possible about likely care costs, existing guaranteed income (typically State and Private Pensions) and existing assets such as the approximate value of any property, other savings and investments. If you don’t have this information at this stage, don’t worry.

You can ask us any questions that you have not found the answers to and we will make sure you are aware of any State benefits or financial assistance that you are entitled to. At this stage we may also signpost you to other relevant services such as our Property Solutions or Legal Advice

Research of funding options

The first stage of the journey will usually have concluded with us outlining the possible funding options that are likely to be worth further consideration. This may include income generation from renting a property out, taking advantage of support from the Local Authority or NHS, investing capital or purchasing an immediate or deferred care fees annuity.

If we are in agreement that a care fees annuity is likely to be viable and is a funding option that you would like to find out more about, we will send you a ‘quote request pack’ so that we can obtain fully underwritten costs for you. This will take into account medical history and current care needs and will therefore be a ‘bespoke’ quotation.

The quotations that we get for you will tell us how much it will cost to buy a tax-free, lifetime income to meet your care costs, taking account of income you already have. They will include the extra options you may want such as inflation-proofing and capital protection. We will get quotations from all four Companies offering this type of product so you won’t need to shop around especially as most Advisers only have access to two Companies’ products.

Jargon-free report issued

As soon as we have the quotations, provided the cost seems affordable and meets the objectives you have shared with us, we will produce a jargon-free Care Fees Funding Report. This will outline your funding options and make a recommendation in respect of the solution that we think will best meet your needs.

This is a discussion document and so, once you have had a look through, we can easily amend and adjust the recommendations to suit any change in circumstance or feedback from you. All that we ask is that you let us know what you think! Regardless of what you do from here, this document acts as evidence that you considered all funding options and made a balanced, informed and considered decision. This is especially important if you are acting on behalf of someone else.

If you wish to take matters no further at this stage, just tell us and we will make sure we carry out no further work. If, however, you require further advice or want to accept our recommendations, we can move on to the final stage of the journey.

Implementation of Solutions

This is where we will finalise and tweak our recommendations and organise the relevant paperwork for your financial solution to be put in place. We will liase with both the product provider and the care provider on your behalf to ensure that everything is set up with minimum hassle.

Where possible, at this stage, we will try and agree a ‘fee increase capping’ with your care provider – it is better for them to have customers who will never run out of money as a result of buying a care fees annuity and so they may, as a gesture of good will, limit the amount by which they increase their fees. We have been successful in obtaining this for the vast majority of our clients.

If we have done our job correctly, you will end the Care Journey with financial certainty and peace of mind in respect of your ongoing care costs. We will still be here, however, to help if there are any changes in circumstances or you need any further advice.

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