The Care and Home Inheritance Plan

Planning to or Living in a
Care Home?

If you own your own home, your council will normally not make any payment towards your care home costs*. This is where the Care and Home Inheritance Plan can help. The Plan will pay all the care costs that your pension(s), other income and non means-tested state benefits are not sufficient to pay. The Plan will continue to pay this shortfall every month for the rest of your life.

*if your partner is still living in your home, the council may help pay your care fees but will recover this payment after your death.

Planning to or Receiving Care at Home?

If you own your own home you will normally not receive any help from your council or the NHS with your care costs and will have to bear full cost of these yourself, save only for those non means-tested state benefits which are available in the part of the UK where you live.

This is where the CHIP can help you. The Plan can pay all the costs of your care which your income and benefits are insufficient to cover. Not only will it pay this shortfall every month, but it will do so for the rest of your life.