Care fees advice

Specialist care fees advisers are experts who can help you make an informed decision about the best way to pay for care. They will ask questions about your specific circumstances so that they can give you a personalised recommendation that best matches your needs, taking into account your available assets, attitudes and preferences. They will also look into and advise you on any entitlement to state benefits.

Advisers are regulated by the Financial Conduct Authority (FCA). The FCA requires that they obtain appropriate qualifications and experience prior to advising on care, to ensure they have the necessary knowledge on the important issues involved.

Therefore, in order to provide advice on care fees, advisers have to hold a relevant qualification. This will be either the Chartered Insurance Institute (CII) CF8 or the Institute of Financial Services (IFS) Certificate in Long Term Care Insurance (CeLTCI).

Click here to find a qualified specialist care fees adviser local to you

The initial consultation

This usually lasts between 15 minutes and an hour and there is no obligation to proceed with the adviser afterwards. You will often not be asked to pay a charge during this meeting as the adviser will discuss any adviser charges at subsequent meetings.


Specialist care fees advisers will charge you for their time and expertise. Advice can be charged at an hourly rate, a flat rate or as a percentage of the amount needed to purchase any product or investment being recommended. 

The adviser must tell you clearly in writing how they will charge for their services before giving advice. The amount you pay the adviser and the way in which this is paid (i.e. whether you have to pay them directly or whether they can take a charge equivalent to the fee from any resulting product) will depend on your circumstance and the products (if any) you choose to buy. It is an FCA requirement that the adviser informs you of all fees they will receive before you buy any product.