Could an old-fashioned life assurance policy be the way families cover the cost of long-term care and leave their legacies intact?
This is one suggestion put forward following publication of the UK Government's long-awaited proposals on long-term care this week.
In Scotland free personal care reduces care home costs by around £8500 a year (or £12,300 with nursing care). But anyone with assets over £24,750 still has to pay the rest of the bill, which even at local authority rates totals £25,234 a year, or £29,432 with nursing.
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