Financial Advisers in West Sussex ~ Financial Advisers in Bognor Regis ~ Mortgage Advice in Bognor Regis ~ Investment Advice in Bognor Regis ~ Mortgages Advice in Chichester ~ Pension Advice in Chichester ~ Life Cover in West Sussex Long Term Care Q. What is the need for Long Term Care? A. This is when a person becomes ill or suffers a disability that results in them being unable to carry out their day-to-day activities and continues to be affected over a long period of time, resulting in the need to be cared for. Q. What can I expect from having Long Term Care? A. This can include care over many forms from simple domestic assistance to daily medical help and medication. A Long Term Care Plan can help with the funding of this. Q. Do I have to be in a Care or Nursing home to receive Long Term Care? A. No, this can also be provided in the person's home. Q. Will I receive financial help from the National Health Service (NHS) for Long Term Care? A. Only if you are assessed as being mentally disabled or are in need of 24 hour nursing care. This is called Continuing Health Care. Q. What benefits can I claim if I am in need of Long Term Care? A. You will need to have a Means test to assess what assistance you may or may not receive. You might be eligible for Attendance Allowance which is not Means tested. Q. How do I obtain a Long Term Care Plan? A. A lump sum is used to purchase a life annuity. The annuity will be guaranteed (for at least a minimum period). A proportion of the annuity can be protected, if required.