Duncan & Laird Associates Will Writing Specialists

Safeguarding your family's inheritance against the cost of long term care

Don't lose your home to pay for long term care!

Under the Community Care Act 1990 the local authorities have the right, by law, to seize your family home, put it up for sale, and use the proceeds to cover long term care home costs. Your home could be under real threat. At least 70,000 homes were seized last year (that's 200 a day) with £4.3 billion worth of inheritance being used to pay care costs.

Safeguarding your family's inheritance.

  • What if your partner remarries?
  • What if your family includes children from a previous marriage?
  • Did you know - if your spouse remarries, your children could be disinherited in favour of the spouse's new family!

Your Will is the ideal way to make provision during your lifetime to protect the property you have worked hard to acquire. You can act now to safeguard your family and your property in the future.

Couples may be able to prevent their property being taken to pay for long term residential care under the Community Care Act 1990 - but you must act now.

Similar arrangements might be of value to you if your family includes children from a previous marriage.

You may be concerned about what happens if your spouse remarries and your children are disinherited in favour of the spouse's new family.

Avoiding care costs... what is legal and illegal?

How can we avoid these costs? It is illegal to deliberately transfer your own property away to relatives or trusts if your prime motive is to evade paying for long term care home costs.

However, it is not illegal for your partner to make provision in his or her Will that their own half share of the family assets, including your home, are placed in trust for your children or other beneficiary, instead of passing direct to you. The difference is that you don't own your partner's half share, so you can't be said to be reducing your estate illegally.

The Protective Property Trust Will.

The Protective Property Trust Will has been specifically designed for this purpose, allowing the surviving partner to continue benefiting from the assets within the Trust, allowing your property to be passed on to your loved ones in the fullness of time.

Contact Us

Do I Need A Will?