Care Fees & Your Home: Myths vs Facts

Most of the fear around care fees — and most of the sales pitches — rely on you not knowing how the system actually works.

This guide sets out the real means-test thresholds, exactly when your home is and isn't counted, and the mandatory disregards that already protect couples. It explains deliberate deprivation (no, there is no seven-year rule for care fees), why "put the house in the kids' names" usually makes everything worse, the trust schemes to avoid, and the legitimate planning that genuinely works — including the tenants-in-common will trust route for couples.

• How care funding really works, with the actual figures
• When your home is disregarded — automatically
• Deliberate deprivation, explained without the scare stories
• Eight questions that expose a bad scheme before you sign

Instant PDF download. England & Wales only. Information, not legal advice — and if your situation needs a real conversation, every download includes an invitation to book a free chat with a Squiggle specialist.