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0330 043 2129
Office Hours
Mon-Fri 9am-5pm

Long Term Care Insurance

What is Long Term Care Insurance?

An Immediate Needs Annuity, also known as Long Term Care Insurance, is a type of insurance which guarantees a regular income to cover the costs of care. There are several different terms for Immediate Needs Annuity, including:

  • Immediate Care Annuity
  • Immediate Care Plans
  • Immediate Need Care Annuity
  • Long Term Care Insurance
  • Annuity for Home Care Fees

Immediate Needs Annuities pay your registered care provider a regular tax-free income for the remainder of your life. A one-off payment is required in order to purchase a plan which is determined by the following factors:

  • Gender
  • Age
  • Health
  • Medical History
  • Amount of Monthly Payment Required

There is no fixed price as each plan is tailored around individual needs and priorities. There are multiple Immediate Needs Annuities available so you should always shop around to find the best one for you.

When taking out an Immediate Needs Annuity you should always seek independent advice.

You can find out more about Immediate Needs Annuities here.

Pros of Long Term Care Insurance

  • Regular tax-free payments.
  • Fixed payment or flexible payments based on inflation options available.
  • Peace of mind knowing that the cost of care is covered.

Cons of Long Term Care Insurance

  • Unsuitable for temporary care.
  • Large upfront payment required.
  • Can not request a refund if you no longer require care.

Other Funding Options:

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Services We Offer

Churchill Home Care Provides a Gold Star Home Care Service That You Can Trust

Live-In Care

Live-In Care is when one of our home carers moves into your home to provide you with care in the comfort of your own home.

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Visiting Care

Visiting Care provides care in the comfort of your own home from as little as an hour a week to several visits a day.

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Respite Care

Respite Care provides either Live-In or Visiting Care for loved ones who require home care on a temporary basis.

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Home Support

Home Support provides a range of housekeeping services such as cooking, cleaning, laundry, errands, and even gardening.

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Want to Know More?

You can call us on the number below or send us an email with the form below.

0330 043 2129

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    Our Branch Locations

    Churchill Home Care Huddersfield

    Huddersfield Branch

    8 Cherry Tree Centre
    Market Street
    HD1 2ET
    01484 794027

    Churchill Home Care Halifax

    Halifax Branch

    23-25 George Street
    HX1 1HA
    01422 756058

    Churchill Home Care York

    York Branch

    169 Holgate Road
    YO24 4DF
    01904 900145

    CQC Regulated
    Dementia Friends Partner
    Alzheimers Society Partner
    Skills For Care Partner