Benefits of putting your home into a trust!

If you had put your property into trust before going into care, then the starting point is that it is no longer owned by you. Your home is not part of your capital and you cannot be required to use it to fund your care fees.

Although trust schemes can work, their effectiveness cannot be guaranteed. Your local authority can challenge your exemption from paying care fees – for example if it can show that a significant reason for you putting your property into trust was to avoid care costs and, at the time you did it, you had a reasonable expectation that you’d need care in the future. Local authority guidance does say, however, that it would be unreasonable for the health trust to reach this conclusion if you were fit and healthy when you transferred the property.