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Some older people have pension income that comes from overseas. Perhaps your parent worked abroad for part of their career, returned to the UK after years living overseas, or moved to the UK from another country and has a pension from their homeland. If care is needed and the local authority carries out a means test, a natural question arises: how is that overseas pension treated?

Here is a general guide to how overseas pensions are usually approached in a care financial assessment. Because this area can get genuinely complex, we will point you firmly towards proper advice for your parent's specific situation.

A quick recap: what the means test looks at

When someone asks the local authority for help with care costs, the council carries out a financial assessment, or means test, to work out how much the person should contribute. It looks at two things: their income, such as pensions and certain benefits, and their capital, such as savings and other assets.

Our guide to local authority funding explains this assessment in more detail. The question here is simply where an overseas pension fits into it.

Overseas pensions generally count as income

Here is the key point, and it is a simple one. A pension from overseas is still income. So in a means test, an overseas pension is generally taken into account as income, in much the same way a UK pension would be.

In other words, overseas pensions are not hidden from, or exempt from, the assessment. If your parent receives a pension from another country, you should expect it to be counted as part of their income, just like any pension paid in the UK. It is always best to be open about all income, wherever it comes from.

The currency question

There is one obvious wrinkle with an overseas pension: it is often paid in another currency. For the means test, it will need to be converted into pounds sterling so that it can be included alongside everything else.

Because exchange rates move up and down over time, the sterling value of a foreign pension can vary, which makes it a little less predictable than a pension paid in pounds. The assessing authority will convert the pension to sterling in order to assess it, and how exactly that conversion is done is one of the practical details worth checking with them.

Overseas savings and assets too

The same broad principle applies to capital. Any savings, investments, or sometimes property that your parent holds overseas would generally be considered in the means test as capital, subject to the usual rules, just as UK savings and assets would be. Overseas property in particular can raise complicated questions, which is another reason specialist advice is valuable.

Where it gets complicated

In the interests of being straight with you, overseas pension and asset arrangements can raise genuinely complex questions that go beyond a simple \"it counts as income.\" These can include:

These nuances mean the treatment is not always straightforward, and it can vary depending on the circumstances and the country involved. This is very much an area where proper, personalised advice earns its keep.

Tax is a separate matter

One thing worth untangling: how an overseas pension is taxed is a separate question from how it is treated in the care means test. Foreign pensions can involve UK tax, tax in the country of origin, and double taxation agreements between countries, all of which affect the actual income your parent ends up with. That is a matter for a tax specialist, and it is best not to confuse it with the care assessment, though of course the income your parent actually receives is what matters to their overall finances.

Get proper advice

Because this is complex and depends heavily on the specifics, two things really matter:

In short

An overseas pension is generally treated much like a UK one in a care means test: as income that is counted in the assessment. The details, though, particularly around currency conversion, accessing overseas funds, and tax, can be genuinely complicated, so proper advice tailored to your parent's situation is well worth seeking.

Our guide to your funding options sets out the wider picture, and if you would like to talk through funding care for someone you love, we would be glad to help you understand the options.

Book a free care advice call, or give us a ring on 020 3970 9900.

This guide offers general information only and is not financial, tax or legal advice. The treatment of overseas pensions and assets in a care financial assessment can be complex and depends on individual circumstances, so please confirm the position with your loved one's local authority and seek advice from a qualified adviser, or from Age UK or Citizens Advice.

","html_sections":{"json":[{"tagName":"P","innerHtml":"Some older people have pension income that comes from overseas. Perhaps your parent worked abroad for part of their career, returned to the UK after years living overseas, or moved to the UK from another country and has a pension from their homeland. If care is needed and the local authority carries out a means test, a natural question arises: how is that overseas pension treated?","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":null}},{"tagName":"P","innerHtml":"Here is a general guide to how overseas pensions are usually approached in a care financial assessment. Because this area can get genuinely complex, we will point you firmly towards proper advice for your parent's specific situation.","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":null}},{"tagName":"H2","innerHtml":"A quick recap: what the means test looks at","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":"a-quick-recap-what-the-means-test-looks-at"}},{"tagName":"P","innerHtml":"When someone asks the local authority for help with care costs, the council carries out a financial assessment, or means test, to work out how much the person should contribute. It looks at two things: their income, such as pensions and certain benefits, and their capital, such as savings and other assets.","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":null}},{"tagName":"P","innerHtml":"Our guide to local authority funding explains this assessment in more detail. The question here is simply where an overseas pension fits into it.","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":null}},{"tagName":"H2","innerHtml":"Overseas pensions generally count as income","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":"overseas-pensions-generally-count-as-income"}},{"tagName":"P","innerHtml":"Here is the key point, and it is a simple one. A pension from overseas is still income. So in a means test, an overseas pension is generally taken into account as income, in much the same way a UK pension would be.","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":null}},{"tagName":"P","innerHtml":"In other words, overseas pensions are not hidden from, or exempt from, the assessment. If your parent receives a pension from another country, you should expect it to be counted as part of their income, just like any pension paid in the UK. It is always best to be open about all income, wherever it comes from.","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":null}},{"tagName":"H2","innerHtml":"The currency question","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":"the-currency-question"}},{"tagName":"P","innerHtml":"There is one obvious wrinkle with an overseas pension: it is often paid in another currency. For the means test, it will need to be converted into pounds sterling so that it can be included alongside everything else.","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":null}},{"tagName":"P","innerHtml":"Because exchange rates move up and down over time, the sterling value of a foreign pension can vary, which makes it a little less predictable than a pension paid in pounds. The assessing authority will convert the pension to sterling in order to assess it, and how exactly that conversion is done is one of the practical details worth checking with them.","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":null}},{"tagName":"H2","innerHtml":"Overseas savings and assets too","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":"overseas-savings-and-assets-too"}},{"tagName":"P","innerHtml":"The same broad principle applies to capital. Any savings, investments, or sometimes property that your parent holds overseas would generally be considered in the means test as capital, subject to the usual rules, just as UK savings and assets would be. Overseas property in particular can raise complicated questions, which is another reason specialist advice is valuable.","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":null}},{"tagName":"H2","innerHtml":"Where it gets complicated","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":"where-it-gets-complicated"}},{"tagName":"P","innerHtml":"In the interests of being straight with you, overseas pension and asset arrangements can raise genuinely complex questions that go beyond a simple \"it counts as income.\" These can include:","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":null}},{"tagName":"UL","innerHtml":"
  • how exactly a foreign currency is converted, and at what rate
  • whether the income or capital can actually be accessed, or brought to the UK, which can matter in some cases
  • foreign tax that may already have been deducted
  • the differences between how various countries' pension systems work
    • ","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":null}},{"tagName":"P","innerHtml":"These nuances mean the treatment is not always straightforward, and it can vary depending on the circumstances and the country involved. This is very much an area where proper, personalised advice earns its keep.","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":null}},{"tagName":"H2","innerHtml":"Tax is a separate matter","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":"tax-is-a-separate-matter"}},{"tagName":"P","innerHtml":"One thing worth untangling: how an overseas pension is taxed is a separate question from how it is treated in the care means test. Foreign pensions can involve UK tax, tax in the country of origin, and double taxation agreements between countries, all of which affect the actual income your parent ends up with. That is a matter for a tax specialist, and it is best not to confuse it with the care assessment, though of course the income your parent actually receives is what matters to their overall finances.","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":null}},{"tagName":"H2","innerHtml":"Get proper advice","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":"get-proper-advice"}},{"tagName":"P","innerHtml":"Because this is complex and depends heavily on the specifics, two things really matter:","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":null}},{"tagName":"UL","innerHtml":"
  • Be open with the local authority carrying out the assessment about all of your parent's income and capital, including anything overseas. Transparency is both the right thing and the way to avoid problems later.
  • Seek specialist advice. Age UK and Citizens Advice can help with the care funding side, and a financial or tax adviser experienced in cross-border matters can help with the pension and tax side. Given the complexity, this is not an area to try to work out by guesswork.
    • ","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":null}},{"tagName":"H2","innerHtml":"In short","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":"in-short"}},{"tagName":"P","innerHtml":"An overseas pension is generally treated much like a UK one in a care means test: as income that is counted in the assessment. The details, though, particularly around currency conversion, accessing overseas funds, and tax, can be genuinely complicated, so proper advice tailored to your parent's situation is well worth seeking.","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":null}},{"tagName":"P","innerHtml":"Our guide to your funding options sets out the wider picture, and if you would like to talk through funding care for someone you love, we would be glad to help you understand the options.","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":null}},{"tagName":"P","innerHtml":"Book a free care advice call, or give us a ring on 020 3970 9900.","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":null}},{"tagName":"P","innerHtml":"This guide offers general information only and is not financial, tax or legal advice. The treatment of overseas pensions and assets in a care financial assessment can be complex and depends on individual circumstances, so please confirm the position with your loved one's local authority and seek advice from a qualified adviser, or from Age UK or Citizens Advice.","attributes":{"data_edyn_component":null,"data_edyn_url":null,"class":null,"id":null}}]},"title":"Overseas Pensions: How They're Assessed in a Care Means Test","meta_title":"Overseas Pensions and Care Means Tests: How They Are Assessed","meta_description":"Learn how overseas pensions, foreign savings and assets are treated in a local authority care means test, including currency conversion and tax considerations.","custom_excerpt":null,"excerpt":"Some older people have pension income that comes from overseas. Perhaps your parent worked abroad for part of their career, returned to the UK after years living overseas, or moved to the UK from another country and has a pension from their homeland. If care is needed and the local authority carries out a means test, a natural question arises: how is that overseas pension treated?\n\nHere is a general guide to how overseas pensions are usually approached in a care financial assessment. Because thi","plaintext":"Some older people have pension income that comes from overseas. Perhaps your parent worked abroad for part of their career, returned to the UK after years living overseas, or moved to the UK from another country and has a pension from their homeland. If care is needed and the local authority carries out a means test, a natural question arises: how is that overseas pension treated?\n\nHere is a general guide to how overseas pensions are usually approached in a care financial assessment. Because this area can get genuinely complex, we will point you firmly towards proper advice for your parent's specific situation.\n\n\nA quick recap: what the means test looks at\n\nWhen someone asks the local authority for help with care costs, the council carries out a financial assessment, or means test, to work out how much the person should contribute. It looks at two things: their income, such as pensions and certain benefits, and their capital, such as savings and other assets.\n\nOur guide to local authority funding explains this assessment in more detail. The question here is simply where an overseas pension fits into it.\n\n\nOverseas pensions generally count as income\n\nHere is the key point, and it is a simple one. A pension from overseas is still income. So in a means test, an overseas pension is generally taken into account as income, in much the same way a UK pension would be.\n\nIn other words, overseas pensions are not hidden from, or exempt from, the assessment. If your parent receives a pension from another country, you should expect it to be counted as part of their income, just like any pension paid in the UK. It is always best to be open about all income, wherever it comes from.\n\n\nThe currency question\n\nThere is one obvious wrinkle with an overseas pension: it is often paid in another currency. For the means test, it will need to be converted into pounds sterling so that it can be included alongside everything else.\n\nBecause exchange rates move up and down over time, the sterling value of a foreign pension can vary, which makes it a little less predictable than a pension paid in pounds. The assessing authority will convert the pension to sterling in order to assess it, and how exactly that conversion is done is one of the practical details worth checking with them.\n\n\nOverseas savings and assets too\n\nThe same broad principle applies to capital. Any savings, investments, or sometimes property that your parent holds overseas would generally be considered in the means test as capital, subject to the usual rules, just as UK savings and assets would be. Overseas property in particular can raise complicated questions, which is another reason specialist advice is valuable.\n\n\nWhere it gets complicated\n\nIn the interests of being straight with you, overseas pension and asset arrangements can raise genuinely complex questions that go beyond a simple \"it counts as income.\" These can include:\n\n * how exactly a foreign currency is converted, and at what rate\n * whether the income or capital can actually be accessed, or brought to the UK, which can matter in some cases\n * foreign tax that may already have been deducted\n * the differences between how various countries' pension systems work\n\nThese nuances mean the treatment is not always straightforward, and it can vary depending on the circumstances and the country involved. This is very much an area where proper, personalised advice earns its keep.\n\n\nTax is a separate matter\n\nOne thing worth untangling: how an overseas pension is taxed is a separate question from how it is treated in the care means test. Foreign pensions can involve UK tax, tax in the country of origin, and double taxation agreements between countries, all of which affect the actual income your parent ends up with. That is a matter for a tax specialist, and it is best not to confuse it with the care assessment, though of course the income your parent actually receives is what matters to their overall finances.\n\n\nGet proper advice\n\nBecause this is complex and depends heavily on the specifics, two things really matter:\n\n * Be open with the local authority carrying out the assessment about all of your parent's income and capital, including anything overseas. Transparency is both the right thing and the way to avoid problems later.\n * Seek specialist advice. Age UK and Citizens Advice can help with the care funding side, and a financial or tax adviser experienced in cross-border matters can help with the pension and tax side. Given the complexity, this is not an area to try to work out by guesswork.\n\n\nIn short\n\nAn overseas pension is generally treated much like a UK one in a care means test: as income that is counted in the assessment. The details, though, particularly around currency conversion, accessing overseas funds, and tax, can be genuinely complicated, so proper advice tailored to your parent's situation is well worth seeking.\n\nOur guide to your funding options sets out the wider picture, and if you would like to talk through funding care for someone you love, we would be glad to help you understand the options.\n\nBook a free care advice call, or give us a ring on 020 3970 9900.\n\nThis guide offers general information only and is not financial, tax or legal advice. The treatment of overseas pensions and assets in a care financial assessment can be complex and depends on individual circumstances, so please confirm the position with your loved one's local authority and seek advice from a qualified adviser, or from Age UK or Citizens Advice.","primary_tag":{"name":"Paying for care"},"slug":"overseas-pensions-how-theyre-assessed-in-a-care-means-test","publishedDisplay":"19 Aug 2026","updatedDisplay":"19 Aug 2026","publishedIso":"2026-08-19T14:00:46.000+00:00","updatedIso":"2026-08-19T14:00:46.000+00:00","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#d8d8d8","images":{"fallback":{"src":"/static/20c6fc83c7558fb9a5f170562ba2b605/f19bc/ibrahim-boran-YVnvtMA2mok-unsplash.jpg","srcSet":"/static/20c6fc83c7558fb9a5f170562ba2b605/26cfb/ibrahim-boran-YVnvtMA2mok-unsplash.jpg 500w,\n/static/20c6fc83c7558fb9a5f170562ba2b605/1b035/ibrahim-boran-YVnvtMA2mok-unsplash.jpg 1000w,\n/static/20c6fc83c7558fb9a5f170562ba2b605/f19bc/ibrahim-boran-YVnvtMA2mok-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/20c6fc83c7558fb9a5f170562ba2b605/921bf/ibrahim-boran-YVnvtMA2mok-unsplash.webp 500w,\n/static/20c6fc83c7558fb9a5f170562ba2b605/b7ef5/ibrahim-boran-YVnvtMA2mok-unsplash.webp 1000w,\n/static/20c6fc83c7558fb9a5f170562ba2b605/c9c6a/ibrahim-boran-YVnvtMA2mok-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1333}}},"primary_author":{"bio":"Communications and Marketing Lead","name":"Jamie Shie","slug":"jamie","profile_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#383838","images":{"fallback":{"src":"/static/4ce69bfa95322a3b177d8c8b946cc319/2e55b/Screenshot-2026-06-22-at-09.28.27.png","srcSet":"/static/4ce69bfa95322a3b177d8c8b946cc319/5fbde/Screenshot-2026-06-22-at-09.28.27.png 132w,\n/static/4ce69bfa95322a3b177d8c8b946cc319/6672c/Screenshot-2026-06-22-at-09.28.27.png 264w,\n/static/4ce69bfa95322a3b177d8c8b946cc319/2e55b/Screenshot-2026-06-22-at-09.28.27.png 528w","sizes":"(min-width: 528px) 528px, 100vw"},"sources":[{"srcSet":"/static/4ce69bfa95322a3b177d8c8b946cc319/df6d7/Screenshot-2026-06-22-at-09.28.27.webp 132w,\n/static/4ce69bfa95322a3b177d8c8b946cc319/5bda5/Screenshot-2026-06-22-at-09.28.27.webp 264w,\n/static/4ce69bfa95322a3b177d8c8b946cc319/3155f/Screenshot-2026-06-22-at-09.28.27.webp 528w","type":"image/webp","sizes":"(min-width: 528px) 528px, 100vw"}]},"width":528,"height":466}}}}},"relatedPosts":{"nodes":[{"title":"Housing Benefit Considerations When a Live-in Carer Joins the Household","slug":"housing-benefit-considerations-when-a-live-in-carer-joins-the-household","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#e8e8d8","images":{"fallback":{"src":"/static/1953b44d82730399fa0567b8025075f5/66673/getty-images-yPsXe-ezdUw-unsplash.jpg","srcSet":"/static/1953b44d82730399fa0567b8025075f5/3eca2/getty-images-yPsXe-ezdUw-unsplash.jpg 500w,\n/static/1953b44d82730399fa0567b8025075f5/a821d/getty-images-yPsXe-ezdUw-unsplash.jpg 1000w,\n/static/1953b44d82730399fa0567b8025075f5/66673/getty-images-yPsXe-ezdUw-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/1953b44d82730399fa0567b8025075f5/87c93/getty-images-yPsXe-ezdUw-unsplash.webp 500w,\n/static/1953b44d82730399fa0567b8025075f5/1d85d/getty-images-yPsXe-ezdUw-unsplash.webp 1000w,\n/static/1953b44d82730399fa0567b8025075f5/0f8f2/getty-images-yPsXe-ezdUw-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1318}}},"excerpt":"If your loved one rents their home and receives Housing Benefit, it is sensible to wonder whether having a live-in carer move in might affect it. Nobody wants an unwelcome surprise with their finances at an already busy time.\n\nThe good news is that, for most older people, the answer is reassuring. But as with anything to do with benefits, the details matter and depend on individual circumstances. Here is a clear guide to the main considerations. This is general information, and we will point you","published_at":"19 Aug 2026"},{"title":"Personal Budgets vs Council-Arranged Care: Which Gives Families More Flexibility?","slug":"personal-budgets-vs-council-arranged-care-which-gives-families-more-flexibility","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#181818","images":{"fallback":{"src":"/static/b98d2369d0885458736507aec82b62d9/f19bc/colin-watts-8WRRJ4xJeyg-unsplash.jpg","srcSet":"/static/b98d2369d0885458736507aec82b62d9/26cfb/colin-watts-8WRRJ4xJeyg-unsplash.jpg 500w,\n/static/b98d2369d0885458736507aec82b62d9/1b035/colin-watts-8WRRJ4xJeyg-unsplash.jpg 1000w,\n/static/b98d2369d0885458736507aec82b62d9/f19bc/colin-watts-8WRRJ4xJeyg-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/b98d2369d0885458736507aec82b62d9/921bf/colin-watts-8WRRJ4xJeyg-unsplash.webp 500w,\n/static/b98d2369d0885458736507aec82b62d9/b7ef5/colin-watts-8WRRJ4xJeyg-unsplash.webp 1000w,\n/static/b98d2369d0885458736507aec82b62d9/c9c6a/colin-watts-8WRRJ4xJeyg-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1333}}},"excerpt":"If your loved one qualifies for funding towards their care from the local council, there is something many families do not realise: you often have a choice about how that funding is managed, and that choice makes a real difference to how much flexibility you have.\n\nAt one end, you can take control of the budget yourselves and arrange care exactly as you wish. At the other, you can let the council arrange everything for you. Here is how the options compare, with a particular eye on the question f","published_at":"19 Aug 2026"},{"title":"Occupational and Trade Charities: Funding Help Tied to a Parent's Former Profession","slug":"occupational-and-trade-charities-funding-help-tied-to-a-parents-former-profession","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#a8b8b8","images":{"fallback":{"src":"/static/16d229f40fdc1e3e723845009b952187/94182/getty-images-XntLHppmJvs-unsplash.jpg","srcSet":"/static/16d229f40fdc1e3e723845009b952187/26cfb/getty-images-XntLHppmJvs-unsplash.jpg 500w,\n/static/16d229f40fdc1e3e723845009b952187/826b9/getty-images-XntLHppmJvs-unsplash.jpg 1000w,\n/static/16d229f40fdc1e3e723845009b952187/94182/getty-images-XntLHppmJvs-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/16d229f40fdc1e3e723845009b952187/921bf/getty-images-XntLHppmJvs-unsplash.webp 500w,\n/static/16d229f40fdc1e3e723845009b952187/323e8/getty-images-XntLHppmJvs-unsplash.webp 1000w,\n/static/16d229f40fdc1e3e723845009b952187/9181c/getty-images-XntLHppmJvs-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1331}}},"excerpt":"When families think about how to fund care, they usually think of benefits, savings, or help from the council. But there is a lesser-known source of support that is well worth exploring, and it is tied to something you might not expect: a parent's former job.\n\nMany professions, trades and industries have their own charities, often called benevolent funds, that offer financial help and support to people who worked in them, and frequently to their families too. It is an avenue many people overlook","published_at":"19 Aug 2026"},{"title":"Overseas Pensions: How They're Assessed in a Care Means Test","slug":"overseas-pensions-how-theyre-assessed-in-a-care-means-test","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#d8d8d8","images":{"fallback":{"src":"/static/20c6fc83c7558fb9a5f170562ba2b605/f19bc/ibrahim-boran-YVnvtMA2mok-unsplash.jpg","srcSet":"/static/20c6fc83c7558fb9a5f170562ba2b605/26cfb/ibrahim-boran-YVnvtMA2mok-unsplash.jpg 500w,\n/static/20c6fc83c7558fb9a5f170562ba2b605/1b035/ibrahim-boran-YVnvtMA2mok-unsplash.jpg 1000w,\n/static/20c6fc83c7558fb9a5f170562ba2b605/f19bc/ibrahim-boran-YVnvtMA2mok-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/20c6fc83c7558fb9a5f170562ba2b605/921bf/ibrahim-boran-YVnvtMA2mok-unsplash.webp 500w,\n/static/20c6fc83c7558fb9a5f170562ba2b605/b7ef5/ibrahim-boran-YVnvtMA2mok-unsplash.webp 1000w,\n/static/20c6fc83c7558fb9a5f170562ba2b605/c9c6a/ibrahim-boran-YVnvtMA2mok-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1333}}},"excerpt":"Some older people have pension income that comes from overseas. Perhaps your parent worked abroad for part of their career, returned to the UK after years living overseas, or moved to the UK from another country and has a pension from their homeland. If care is needed and the local authority carries out a means test, a natural question arises: how is that overseas pension treated?\n\nHere is a general guide to how overseas pensions are usually approached in a care financial assessment. Because thi","published_at":"19 Aug 2026"},{"title":"Currency and International Transfer Considerations for Expat Families Paying for Care","slug":"currency-and-international-transfer-considerations-for-expat-families-paying-for-care","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#d8d8d8","images":{"fallback":{"src":"/static/5e1712352bc7f7b1faf79362d164f279/f19bc/jason-leung-SAYzxuS1O3M-unsplash.jpg","srcSet":"/static/5e1712352bc7f7b1faf79362d164f279/26cfb/jason-leung-SAYzxuS1O3M-unsplash.jpg 500w,\n/static/5e1712352bc7f7b1faf79362d164f279/1b035/jason-leung-SAYzxuS1O3M-unsplash.jpg 1000w,\n/static/5e1712352bc7f7b1faf79362d164f279/f19bc/jason-leung-SAYzxuS1O3M-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/5e1712352bc7f7b1faf79362d164f279/921bf/jason-leung-SAYzxuS1O3M-unsplash.webp 500w,\n/static/5e1712352bc7f7b1faf79362d164f279/b7ef5/jason-leung-SAYzxuS1O3M-unsplash.webp 1000w,\n/static/5e1712352bc7f7b1faf79362d164f279/c9c6a/jason-leung-SAYzxuS1O3M-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1333}}},"excerpt":"If you live abroad and are paying for a parent's care back in the UK, or funding it from overseas income or savings, there is a practical dimension that is easy to underestimate: the business of actually moving money across borders, and the effect of exchange rates, fees and timing.\n\nIt might sound like a minor detail, but because care is a significant, ongoing cost, getting this right can save a surprising amount of money and hassle over time. Here is what to consider. This is general informati","published_at":"19 Aug 2026"},{"title":"The Hidden Cost of Caring: What Unpaid Family Caregiving Really Costs Adult Children","slug":"the-hidden-cost-of-caring-what-unpaid-family-caregiving-really-costs-adult-children","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#f8f8f8","images":{"fallback":{"src":"/static/05968adb6d81d82ab1b59c78a5cf1143/dcbec/curated-lifestyle-VNUmv1qJjpY-unsplash.jpg","srcSet":"/static/05968adb6d81d82ab1b59c78a5cf1143/495d1/curated-lifestyle-VNUmv1qJjpY-unsplash.jpg 500w,\n/static/05968adb6d81d82ab1b59c78a5cf1143/85002/curated-lifestyle-VNUmv1qJjpY-unsplash.jpg 1000w,\n/static/05968adb6d81d82ab1b59c78a5cf1143/dcbec/curated-lifestyle-VNUmv1qJjpY-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/05968adb6d81d82ab1b59c78a5cf1143/c9861/curated-lifestyle-VNUmv1qJjpY-unsplash.webp 500w,\n/static/05968adb6d81d82ab1b59c78a5cf1143/8cf95/curated-lifestyle-VNUmv1qJjpY-unsplash.webp 1000w,\n/static/05968adb6d81d82ab1b59c78a5cf1143/ce0d3/curated-lifestyle-VNUmv1qJjpY-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1430}}},"excerpt":"When families weigh up the cost of professional care, they often measure it against what feels like a free alternative: caring for their parent themselves. But there is an uncomfortable truth worth facing honestly. Family caregiving is not free. It carries a real, and often large, hidden cost to the adult children who provide it, mostly in lost income, career progression and pension.\n\nEconomists have a name for this: opportunity cost. It is rarely talked about, partly because it feels uncomforta","published_at":"19 Aug 2026"},{"title":"Income Protection and Its Role in Funding a Parent's Future Care","slug":"income-protection-and-its-role-in-funding-a-parents-future-care","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#f8f8f8","images":{"fallback":{"src":"/static/71c249212d0497a4ae8a615ad5035fd8/3c646/curated-lifestyle-kafJwPRA4R4-unsplash.jpg","srcSet":"/static/71c249212d0497a4ae8a615ad5035fd8/28380/curated-lifestyle-kafJwPRA4R4-unsplash.jpg 500w,\n/static/71c249212d0497a4ae8a615ad5035fd8/6e54a/curated-lifestyle-kafJwPRA4R4-unsplash.jpg 1000w,\n/static/71c249212d0497a4ae8a615ad5035fd8/3c646/curated-lifestyle-kafJwPRA4R4-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/71c249212d0497a4ae8a615ad5035fd8/76f01/curated-lifestyle-kafJwPRA4R4-unsplash.webp 500w,\n/static/71c249212d0497a4ae8a615ad5035fd8/bd81f/curated-lifestyle-kafJwPRA4R4-unsplash.webp 1000w,\n/static/71c249212d0497a4ae8a615ad5035fd8/1c6e9/curated-lifestyle-kafJwPRA4R4-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1335}}},"excerpt":"As families think ahead about the possibility of care for a parent, some come across income protection and wonder whether it has a part to play in paying for future care. It is a sensible question, and the answer is a nuanced one, because income protection can be relevant, but perhaps not in the way you might first assume.\n\nHere is an honest look at what income protection actually is, and where it genuinely fits, and does not fit, when it comes to funding a parent's care. As with all financial m","published_at":"19 Aug 2026"},{"title":"Disability Living Allowance vs Attendance Allowance vs PIP: which applies and when","slug":"disability-living-allowance-vs-attendance-allowance-vs-pip-which-applies-and-when","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#a8b8b8","images":{"fallback":{"src":"/static/910a044eacb683c0cebf9a8270c19b4c/dbd40/vitaly-gariev-RrfQcstUOU4-unsplash.jpg","srcSet":"/static/910a044eacb683c0cebf9a8270c19b4c/d3119/vitaly-gariev-RrfQcstUOU4-unsplash.jpg 500w,\n/static/910a044eacb683c0cebf9a8270c19b4c/26b49/vitaly-gariev-RrfQcstUOU4-unsplash.jpg 1000w,\n/static/910a044eacb683c0cebf9a8270c19b4c/dbd40/vitaly-gariev-RrfQcstUOU4-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/910a044eacb683c0cebf9a8270c19b4c/cd07d/vitaly-gariev-RrfQcstUOU4-unsplash.webp 500w,\n/static/910a044eacb683c0cebf9a8270c19b4c/bf95e/vitaly-gariev-RrfQcstUOU4-unsplash.webp 1000w,\n/static/910a044eacb683c0cebf9a8270c19b4c/d36eb/vitaly-gariev-RrfQcstUOU4-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1125}}},"excerpt":"Let's untangle a little alphabet soup, shall we? PIP, DLA, AA. If you've started looking into financial support for care, you've probably spotted these three letter combinations floating around. They look similar, sound similar, and to be honest, it is completely normal to feel a bit lost about which one actually applies to you or someone you love.\n\n\nThe good news? Once you know the basic rule, everything falls into place nicely.\n\nThese three benefits are all designed to help with the extra cost","published_at":"17 Aug 2026"},{"title":"Using a Payroll Agency to Manage a Direct Payment: Is It Worth It?","slug":"using-a-payroll-agency-to-manage-a-direct-payment-is-it-worth-it","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#f8e8d8","images":{"fallback":{"src":"/static/a8ddac83084ddafb3429c30cac3855af/f19bc/volodymyr-hryshchenko-b4xDJk0g7so-unsplash.jpg","srcSet":"/static/a8ddac83084ddafb3429c30cac3855af/26cfb/volodymyr-hryshchenko-b4xDJk0g7so-unsplash.jpg 500w,\n/static/a8ddac83084ddafb3429c30cac3855af/1b035/volodymyr-hryshchenko-b4xDJk0g7so-unsplash.jpg 1000w,\n/static/a8ddac83084ddafb3429c30cac3855af/f19bc/volodymyr-hryshchenko-b4xDJk0g7so-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/a8ddac83084ddafb3429c30cac3855af/921bf/volodymyr-hryshchenko-b4xDJk0g7so-unsplash.webp 500w,\n/static/a8ddac83084ddafb3429c30cac3855af/b7ef5/volodymyr-hryshchenko-b4xDJk0g7so-unsplash.webp 1000w,\n/static/a8ddac83084ddafb3429c30cac3855af/c9c6a/volodymyr-hryshchenko-b4xDJk0g7so-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1333}}},"excerpt":"Let's talk about something that might not sound like the most exciting topic in the world, but honestly? It could be one of the smartest decisions you make as someone receiving live-in care.\n\nIf you're managing a direct payment for your care, you'll know it gives you incredible freedom and choice. You get to decide exactly who supports you, when they support you, and how they do it. That's brilliant. That's exactly how care should work.\n\nBut here's the thing we don't always talk about. With that","published_at":"17 Aug 2026"},{"title":"What happens financially when a self‑funder's savings run down to the threshold","slug":"what-happens-financially-when-a-self-funders-savings-run-down-to-the-threshold","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#d8c8b8","images":{"fallback":{"src":"/static/20cc94f23489b342bb5f2ce322308802/f19bc/getty-images-G1tdJXwFXMc-unsplash.jpg","srcSet":"/static/20cc94f23489b342bb5f2ce322308802/26cfb/getty-images-G1tdJXwFXMc-unsplash.jpg 500w,\n/static/20cc94f23489b342bb5f2ce322308802/1b035/getty-images-G1tdJXwFXMc-unsplash.jpg 1000w,\n/static/20cc94f23489b342bb5f2ce322308802/f19bc/getty-images-G1tdJXwFXMc-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/20cc94f23489b342bb5f2ce322308802/921bf/getty-images-G1tdJXwFXMc-unsplash.webp 500w,\n/static/20cc94f23489b342bb5f2ce322308802/b7ef5/getty-images-G1tdJXwFXMc-unsplash.webp 1000w,\n/static/20cc94f23489b342bb5f2ce322308802/c9c6a/getty-images-G1tdJXwFXMc-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1333}}},"excerpt":"Let's talk about something that can feel a bit daunting. You have been managing your own care, paying for it yourself, and it has given you the freedom to choose exactly the support that works for you. But now your savings are starting to reduce, and you are wondering what happens next.\n\nFirst things first, take a breath. This is a really common situation, and there is a clear process in place to help. You are not alone in this, and the system is designed to support you through the transition.\n\n","published_at":"17 Aug 2026"},{"title":"Hidden costs of the employer model families often miss (insurance, sick pay, recruitment)","slug":"hidden-costs-of-the-employer-model-families-often-miss-insurance-sick-pay-recruitment","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#181818","images":{"fallback":{"src":"/static/c66abc6bb147808353ce814f501fa747/f19bc/age-cymru-hqq2aIEURNA-unsplash.jpg","srcSet":"/static/c66abc6bb147808353ce814f501fa747/26cfb/age-cymru-hqq2aIEURNA-unsplash.jpg 500w,\n/static/c66abc6bb147808353ce814f501fa747/1b035/age-cymru-hqq2aIEURNA-unsplash.jpg 1000w,\n/static/c66abc6bb147808353ce814f501fa747/f19bc/age-cymru-hqq2aIEURNA-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/c66abc6bb147808353ce814f501fa747/921bf/age-cymru-hqq2aIEURNA-unsplash.webp 500w,\n/static/c66abc6bb147808353ce814f501fa747/b7ef5/age-cymru-hqq2aIEURNA-unsplash.webp 1000w,\n/static/c66abc6bb147808353ce814f501fa747/c9c6a/age-cymru-hqq2aIEURNA-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1333}}},"excerpt":"When you're arranging live‑in care for someone you love, there's a natural instinct to want complete control. You want to choose exactly the right person, build a relationship with them, and know that everything is being done just the way you'd want it. That's completely understandable. It's exactly the kind of personal touch that matters.\n\nAnd when you look at the upfront costs, the direct employer model can seem like the more affordable option. You pay the carer's wage, and that's that, right?","published_at":"17 Aug 2026"},{"title":"Pension Credit: The Underclaimed Benefit That Can Unlock Care Funding","slug":"pension-credit-the-underclaimed-benefit-that-can-unlock-care-funding","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#f8f8f8","images":{"fallback":{"src":"/static/1b6970efb19eaae006ec702226b6b103/94182/getty-images-oGGXY_4zlXI-unsplash.jpg","srcSet":"/static/1b6970efb19eaae006ec702226b6b103/26cfb/getty-images-oGGXY_4zlXI-unsplash.jpg 500w,\n/static/1b6970efb19eaae006ec702226b6b103/826b9/getty-images-oGGXY_4zlXI-unsplash.jpg 1000w,\n/static/1b6970efb19eaae006ec702226b6b103/94182/getty-images-oGGXY_4zlXI-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/1b6970efb19eaae006ec702226b6b103/921bf/getty-images-oGGXY_4zlXI-unsplash.webp 500w,\n/static/1b6970efb19eaae006ec702226b6b103/323e8/getty-images-oGGXY_4zlXI-unsplash.webp 1000w,\n/static/1b6970efb19eaae006ec702226b6b103/9181c/getty-images-oGGXY_4zlXI-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1331}}},"excerpt":"There is a benefit that tops up the income of older people on a low income, is worth thousands of pounds a year, and yet is missed by hundreds of thousands of the very people entitled to it. It is called Pension Credit, and if you have an older parent or relative getting by on a modest income, it is well worth understanding.\n\nPension Credit matters not only for the money it pays directly, but because it acts as a gateway, unlocking a whole chain of other support, some of which can ease the cost ","published_at":"17 Aug 2026"},{"title":"Direct Payments Explained: Taking Control of Your Own Care Budget","slug":"direct-payments-explained-taking-control-of-your-own-care-budget","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#f8f8f8","images":{"fallback":{"src":"/static/66db8bf97d15caf9fbdc321734657456/f19bc/getty-images-Tkc3Av5NE_c-unsplash.jpg","srcSet":"/static/66db8bf97d15caf9fbdc321734657456/26cfb/getty-images-Tkc3Av5NE_c-unsplash.jpg 500w,\n/static/66db8bf97d15caf9fbdc321734657456/1b035/getty-images-Tkc3Av5NE_c-unsplash.jpg 1000w,\n/static/66db8bf97d15caf9fbdc321734657456/f19bc/getty-images-Tkc3Av5NE_c-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/66db8bf97d15caf9fbdc321734657456/921bf/getty-images-Tkc3Av5NE_c-unsplash.webp 500w,\n/static/66db8bf97d15caf9fbdc321734657456/b7ef5/getty-images-Tkc3Av5NE_c-unsplash.webp 1000w,\n/static/66db8bf97d15caf9fbdc321734657456/c9c6a/getty-images-Tkc3Av5NE_c-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1333}}},"excerpt":"If your loved one has been assessed as eligible for funding towards their care from the local council, there is a choice many families do not realise they have. Rather than letting the council arrange everything on your behalf, you can take control of the budget yourself and arrange care that suits your loved one, through something called direct payments.\n\nIt is a way of putting choice and control back in your family's hands. Here is how direct payments work, their genuine benefits, the responsi","published_at":"17 Aug 2026"},{"title":"Agency-Employed vs Self-Employed Carers: Cost and Liability Differences","slug":"agency-employed-vs-self-employed-carers-cost-and-liability-differences","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#b8c8b8","images":{"fallback":{"src":"/static/cebffa5cbe0e4509f782eb99bafb403e/dbd40/vitaly-gariev-2WIQ2qM_AZE-unsplash.jpg","srcSet":"/static/cebffa5cbe0e4509f782eb99bafb403e/d3119/vitaly-gariev-2WIQ2qM_AZE-unsplash.jpg 500w,\n/static/cebffa5cbe0e4509f782eb99bafb403e/26b49/vitaly-gariev-2WIQ2qM_AZE-unsplash.jpg 1000w,\n/static/cebffa5cbe0e4509f782eb99bafb403e/dbd40/vitaly-gariev-2WIQ2qM_AZE-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/cebffa5cbe0e4509f782eb99bafb403e/cd07d/vitaly-gariev-2WIQ2qM_AZE-unsplash.webp 500w,\n/static/cebffa5cbe0e4509f782eb99bafb403e/bf95e/vitaly-gariev-2WIQ2qM_AZE-unsplash.webp 1000w,\n/static/cebffa5cbe0e4509f782eb99bafb403e/d36eb/vitaly-gariev-2WIQ2qM_AZE-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1125}}},"excerpt":"When you arrange live-in care, there is a behind-the-scenes detail that sounds technical but has very real consequences: whether your carer is employed by a care provider, or is self-employed. It affects how much you pay, and, more importantly, who is responsible and liable if something ever goes wrong.\n\nIt is well worth understanding before you commit, so here is what the difference means for your family, in plain terms.\n\n\nThe two models\n\nBroadly, there are two ways a carer's working arrangemen","published_at":"17 Aug 2026"},{"title":"Budgeting for Care Before You Need It: A Guide for Adult Children","slug":"budgeting-for-care-before-you-need-it-a-guide-for-adult-children","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#181808","images":{"fallback":{"src":"/static/b88a462e5d66952a57694614dbb41fe6/3c646/curated-lifestyle-4p0eq5rH_ds-unsplash.jpg","srcSet":"/static/b88a462e5d66952a57694614dbb41fe6/28380/curated-lifestyle-4p0eq5rH_ds-unsplash.jpg 500w,\n/static/b88a462e5d66952a57694614dbb41fe6/6e54a/curated-lifestyle-4p0eq5rH_ds-unsplash.jpg 1000w,\n/static/b88a462e5d66952a57694614dbb41fe6/3c646/curated-lifestyle-4p0eq5rH_ds-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/b88a462e5d66952a57694614dbb41fe6/76f01/curated-lifestyle-4p0eq5rH_ds-unsplash.webp 500w,\n/static/b88a462e5d66952a57694614dbb41fe6/bd81f/curated-lifestyle-4p0eq5rH_ds-unsplash.webp 1000w,\n/static/b88a462e5d66952a57694614dbb41fe6/1c6e9/curated-lifestyle-4p0eq5rH_ds-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1335}}},"excerpt":"It is a conversation most families quietly put off: what would happen, and what would it cost, if Mum or Dad needed care one day? It can feel uncomfortable, even morbid, to think about. But planning for the possibility of care before it is needed is one of the kindest and wisest things an adult child can do.\n\nFar from being pessimistic, it is practical love. It turns a potential future crisis into something manageable, and gives your whole family options, control and peace of mind. Here is a gui","published_at":"17 Aug 2026"},{"title":"VAT and Care Services: What's Exempt and What Isn't","slug":"vat-and-care-services-whats-exempt-and-what-isnt","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#e8e8d8","images":{"fallback":{"src":"/static/11edcdb2656f5e6838b16fa8b7b1d966/dbd40/vitaly-gariev-Ht_YKwIrKAY-unsplash.jpg","srcSet":"/static/11edcdb2656f5e6838b16fa8b7b1d966/d3119/vitaly-gariev-Ht_YKwIrKAY-unsplash.jpg 500w,\n/static/11edcdb2656f5e6838b16fa8b7b1d966/26b49/vitaly-gariev-Ht_YKwIrKAY-unsplash.jpg 1000w,\n/static/11edcdb2656f5e6838b16fa8b7b1d966/dbd40/vitaly-gariev-Ht_YKwIrKAY-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/11edcdb2656f5e6838b16fa8b7b1d966/cd07d/vitaly-gariev-Ht_YKwIrKAY-unsplash.webp 500w,\n/static/11edcdb2656f5e6838b16fa8b7b1d966/bf95e/vitaly-gariev-Ht_YKwIrKAY-unsplash.webp 1000w,\n/static/11edcdb2656f5e6838b16fa8b7b1d966/d36eb/vitaly-gariev-Ht_YKwIrKAY-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1125}}},"excerpt":"When you are working out the cost of care, there is a question that is easy to overlook but can matter a great deal: does VAT apply? At a standard rate of 20 percent, VAT can add a significant amount to any bill, so it is well worth understanding where it does and does not apply to care.\n\nThe reassuring headline for most families arranging care from a regulated provider is this: care services are generally exempt from VAT. Here is what that means, and where VAT can still crop up. As with anythin","published_at":"13 Aug 2026"},{"title":"Equity Release to Pay for Care: How It Works and the Risks","slug":"equity-release-to-pay-for-care-how-it-works-and-the-risks","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#080808","images":{"fallback":{"src":"/static/4ef4722347e166b008ebe617f702130d/dbd40/vitaly-gariev-J4KsphFse-c-unsplash.jpg","srcSet":"/static/4ef4722347e166b008ebe617f702130d/d3119/vitaly-gariev-J4KsphFse-c-unsplash.jpg 500w,\n/static/4ef4722347e166b008ebe617f702130d/26b49/vitaly-gariev-J4KsphFse-c-unsplash.jpg 1000w,\n/static/4ef4722347e166b008ebe617f702130d/dbd40/vitaly-gariev-J4KsphFse-c-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/4ef4722347e166b008ebe617f702130d/cd07d/vitaly-gariev-J4KsphFse-c-unsplash.webp 500w,\n/static/4ef4722347e166b008ebe617f702130d/bf95e/vitaly-gariev-J4KsphFse-c-unsplash.webp 1000w,\n/static/4ef4722347e166b008ebe617f702130d/d36eb/vitaly-gariev-J4KsphFse-c-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1125}}},"excerpt":"For many older people, most of their wealth is tied up in one place: their home. So when care is needed and the costs mount, it is natural to wonder whether that value could help pay for it, without having to sell up and move. Equity release is one way of doing that, and it comes up often in conversations about funding care.\n\nIt can be a genuinely useful option for some families, but it is also a significant, long-term financial decision with real risks, and it is not right for everyone. This gu","published_at":"10 Aug 2026"},{"title":"What Is an FP10? The NHS Prescription Form Explained","slug":"what-is-an-fp10-the-nhs-prescription-form-explained","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#c8d8e8","images":{"fallback":{"src":"/static/b0e7ee73c12e5b76b7ff49ad7ae92f73/f19bc/getty-images-sc7t63zDqyk-unsplash.jpg","srcSet":"/static/b0e7ee73c12e5b76b7ff49ad7ae92f73/26cfb/getty-images-sc7t63zDqyk-unsplash.jpg 500w,\n/static/b0e7ee73c12e5b76b7ff49ad7ae92f73/1b035/getty-images-sc7t63zDqyk-unsplash.jpg 1000w,\n/static/b0e7ee73c12e5b76b7ff49ad7ae92f73/f19bc/getty-images-sc7t63zDqyk-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/b0e7ee73c12e5b76b7ff49ad7ae92f73/921bf/getty-images-sc7t63zDqyk-unsplash.webp 500w,\n/static/b0e7ee73c12e5b76b7ff49ad7ae92f73/b7ef5/getty-images-sc7t63zDqyk-unsplash.webp 1000w,\n/static/b0e7ee73c12e5b76b7ff49ad7ae92f73/c9c6a/getty-images-sc7t63zDqyk-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1333}}},"excerpt":"If you have started helping an older relative with their health, you may have come across the term \"FP10\", or heard a GP or pharmacist mention it, and wondered what exactly it means. It sounds technical, but it is really very simple, and it is worth understanding when you are managing someone else's prescriptions.\n\nHere is a clear, jargon-free explanation of what an FP10 is, the different forms you might come across, and the one part that genuinely matters for families: getting the exemption rig","published_at":"05 Aug 2026"},{"title":"How do payments work at edyn?","slug":"how-do-payments-work-at-edyn","feature_image_sharp":{"childImageSharp":{"gatsbyImageData":{"layout":"constrained","backgroundColor":"#f8f8f8","images":{"fallback":{"src":"/static/7f56bfd4bad0d193179a815bda2657e6/bbe73/getty-images-B9FQdHdakJM-unsplash.jpg","srcSet":"/static/7f56bfd4bad0d193179a815bda2657e6/48c14/getty-images-B9FQdHdakJM-unsplash.jpg 500w,\n/static/7f56bfd4bad0d193179a815bda2657e6/a821d/getty-images-B9FQdHdakJM-unsplash.jpg 1000w,\n/static/7f56bfd4bad0d193179a815bda2657e6/bbe73/getty-images-B9FQdHdakJM-unsplash.jpg 2000w","sizes":"(min-width: 2000px) 2000px, 100vw"},"sources":[{"srcSet":"/static/7f56bfd4bad0d193179a815bda2657e6/385c2/getty-images-B9FQdHdakJM-unsplash.webp 500w,\n/static/7f56bfd4bad0d193179a815bda2657e6/1d85d/getty-images-B9FQdHdakJM-unsplash.webp 1000w,\n/static/7f56bfd4bad0d193179a815bda2657e6/deaf9/getty-images-B9FQdHdakJM-unsplash.webp 2000w","type":"image/webp","sizes":"(min-width: 2000px) 2000px, 100vw"}]},"width":2000,"height":1317}}},"excerpt":"Once you have decided on care, a very practical question naturally follows: how do the payments actually work? We believe billing should be as clear and straightforward as the care itself, with no confusion and no surprises. Here is exactly how it works at Edyn.\n\n\nWeekly payments, by direct debit\n\nPayments for care are taken weekly, by direct debit, and processed securely through Stripe, a trusted, industry-leading payments provider. Rather than handing card details to us directly, everything is","published_at":"08 Jul 2026"}]}},"pageContext":{"slug":"overseas-pensions-how-theyre-assessed-in-a-care-means-test","publicPath":"/blog/overseas-pensions-how-theyre-assessed-in-a-care-means-test/","tagSlug":"paying-for-care","feature_image":"https://storage.ghost.io/c/57/1f/571fdc8a-aa9a-4837-a3ef-49c48fe6bc13/content/images/2026/08/ibrahim-boran-YVnvtMA2mok-unsplash.jpg"}},"staticQueryHashes":["1371987667","1706655005"]}