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Tracey’s parents self-funded their care. Tracey’s father was diagnosed with dementia and her mother struggled to care for him. He moved to a nursing home that could cope with his challenging behaviour. When her mother needed care at home they…
Tracey, aged 59, is married with one adult child. After leaving the Royal Navy, she worked as an admissions officer at a university. She is now retired and works as...
Frances’ father self-funded care from age 77. When Frances could not find suitable accommodation for her father and his dog, she decided to sell their family home and her father’s house and purchase a house together. They paid for care…
Frances, aged 52, is a qualified nurse. She is married with two adult sons, who were at secondary school when her father moved in with the family. Frances feels there...
Sarah’s parents self-funded care from age 81 and 83. Sarah looked after her parents at home herself with support from her brothers and then they gradually paid for more and more care. Eventually Sarah and her brothers made the difficult…
Sarah, aged 55, is married with three adult children. She is a teacher and decided to reduce her hours to work part-time so that she could devote more time to...
Hazel’s father self-funded care from age 94. Hazel was increasingly worried about how her father was coping. She did his shopping online and visited every week or so. When they went on holiday, Hazel’s father would stay at home and…
Hazel is a retired events coordinator. She is married with one adult daughter. Hazel’s daughter lives abroad and now has children of her own. Hazel was worried because her father...
Deryck’s mother self-funded care from age 87. Deryck’s mother lived in a retirement apartment about half an hour’s drive from where he lived. He visited often but realised that she was not looking after herself. It was a relief to…
Deryck is married with two adult children. He is a retired sales manager. Deryck has no sisters or brothers to share in caring for his mother which, in this case,...
Sue’s mother self-funded care from age 87. After her father died, Sue’s mother deteriorated in her dementia. She had a spell in hospital after a fall then received some interim care at home provided by the NHS. Sue’s mother now…
Sue, aged 55, is a manager at a government department. She is married with four adult children. Sue lives with a recently diagnosed condition that causes pain and fatigue which...
Janine’s mother self-funded care from age 85. Janine’s mother was living with Lewy body dementia and had mobility problems. At first, Janine cared for her mother and persuaded her to have a cleaner to help out. Gradually her care needs…
Janine, aged 63, is married with two adult children. She returned to education in 2007 to complete a degree and a masters while also being the main carer for her...
Simon’s father self-funded care from age 95. Simon consulted a financial adviser to help him maximise his father’s income to pay for his care fees and protect his capital assets as far as possible. He trusted the financial adviser and…
Simon, aged 60, is retired. He worked as a teacher in secondary education for over 30 years. He helped his father arrange care and manage his finances. They decided to...
Lynne’s parents self-funded their care. Lynne’s parents, a retired carpenter and hairdresser, had substantial life savings so Lynne knew that when it came to care they would have to self-fund. She arranged annuities to pay towards the fees when her…
Lynne, aged 65, is a retired financial director. When her parents needed to pay for care, she consulted a financial adviser who specialised in later life care plans. Lynne trusted...
Jane’s mother self-funded care from age 85. Jane consulted a financial adviser about ways to pay for care for her mother. She was very pleased with how the adviser explained the options and she decided to purchase an immediate needs…
Jane, aged 60, is self-employed, working part-time. Decisions about her mother’s care were made along with her brother and sister, but since Jane gave up full-time work to spend more...
