How do I start the journey of placing my loved one in to a Boutique Care Home?
Currently, prospective- residents, along with family and friends (up to 2 people at a time), can pre-book a visit to our care home and speak with the Home Manager. You will be shown around our home and this will give you the chance to observe our service delivery and discover the facilities we have to offer. The Manager will be able to answer any questions you may have.
What meals do you provide?
Our residents can enjoy a nutritious and exciting menu all day every day. Our chefs create an array of breakfast, lunch and supper options to cater for all of our residents’ tastes and dietary requirements, as well as delicious snacks and light bites throughout the day.
Do you cater for cultural and dietary requirements?
Boutique Care Homes is able to cater specifically for any cultural needs or any specific dietary requirements including allergens.
What care options do you offer?
Boutique Care Homes providers residential, nursing and respite, along with dementia care. If you have a specific question about the care we provide then please get in touch.
How often can family members visit?
Currently, family and friends can visit their loved one, 2 at a time, three times a week for up to an hour each time. You do not need to book these visits but you will need to take an LFD test. When current restrictions are lifted, visits can take place at any time for as long as you wish.
What activities are on offer in a Boutique Care Home?
Our Lifestyle & Activities team work alongside our residents to ensure a varied and fulfilling activities calendar is created for your loved ones to enjoy, whether it’s learning a new skill or continuing a much-loved hobby. We also plan local trips out with our residents exploring the local area sights.
Refer to our News & Events Section for further information and visit our home’s Facebook pages to see what activities our residents have been participating in.
Do we take social services fee?
Unfortunately, our model cannot be sustained on local authority/social services fees. We can however accept them as part funders, with a top-up from the family to make up to the value of our fee.
Do we have our own private GP?
Every resident is entitled to be registered with a local GP surgery as part of the NHS service. If a resident wishes to keep their own GP, this will be down to the GP himself/herself. It is difficult to retain a GP if you move out of their area.
Do we do respite care?
Yes, we do with a minimum stay of four weeks as we find that any shorter stay disrupts the individual’s routine too much.
Buying a care fees annuity
As both the deferred loan and the investment options carry a degree of uncertainty, some people prefer the option of buying a care fees annuity. This is a plan which has been specifically designed to take into account your age and state of health. It therefore offers much higher rates of income than a standard pension annuity. You buy the plan with a one-off lump sum (usually from a property sale or savings) which is non-refundable if death occurs more than six months after buying the plan unless you pay for extra ‘capital protection’. The income from the plan is paid, tax-free, to your care home for the rest of your life.
You can choose to have an income that stays the same or one that increases by a fixed percentage each year and if you move care homes, the plan simply moves with you. Any money spent on the plan will immediately reduce your estate for the purpose of Inheritance Tax. The Financial Services Compensation Scheme covers these types of plans, guaranteeing 100% of the income that you buy with no maximum cut-off point.
If you are able to tell us your age and how much income you would require from such a plan (usually this would be your care home fees less any existing guaranteed income that you already receive) we would be able to give you an idea of the likely cost of a plan so you can decide whether it is worth researching further and of course answer any other questions that you may have.”
Andrew Dixson-Smith is a SOLLA Accredited Adviser at Eldercare Solutions Ltd and is an Advisory Board member of the SOLLA (The Society of Later Life Advisers).
Investigating the options for funding care can be a daunting prospect. If you require advice with regards to how the care funding system works please contact Eldercare Solutions Ltd who can provide free information and advice to older people, their families and friends. Eldercare has a team of specialist, independent care advisers who can discuss the best options for funding your long-term care with the aim of protecting your wealth and providing peace of mind.
For further details, or to request a free copy of their guide ‘Paying for Care – Important Things You Should Know’ please visit www.eldercaregroup.co.uk or call 0800 082 1155.
Do I have to sell my property to pay for care?
No, not necessarily. If you have funds of less than £23,250 in England then, following on from the 12-week disregard, you can ask your Local Authority for a deferred payment agreement. They should agree to lend you the difference between your existing income, including any rental income from the property, and the cost of your chosen care home. The money is repaid to them out of your estate after your death. In the event of you living in care for several years, however, the debt could end up offsetting most of the equity in the property. Income tax would be due on any rental income and capital gains tax may be due once you have lived in the care home for three years. The Local Authority will charge a setting up fee and will charge interest on the debt.
Investing my money
If you have a significant amount of capital, then investing it wisely may produce the income you need to meet the ‘shortfall’ between your care home fees and your pension(s) and Attendance Allowance but in the current economic climate this is becoming a much less viable option unless you are prepared to invest in higher risk funds. An investment of say £250,000 would generate you just £7,500 per year of income assuming it were possible to secure a 3% net rate of return. The money could therefore still run out if you live in care for several years.
What are your fees?
Our starting price for The Burlington, Shepperton is from £1,250 onwards, subject to the choice of room and your loved one’s specific care needs.
Our starting price for Brampton Manor, Newmarket is from £1,141 onwards, subject to the choice of room and your loved one’s specific care needs.