Pat and Eddie have lived in their family home for 45 years, but now their daughters have flown the nest, they’re thinking about down-sizing, whilst they’re also considering going travelling whilst they have the chance.
The recent need to find sheltered housing for Eddie’s mum made them start thinking about their own futures... and how they could make things as simple as possible when it came to finding care for themselves. Keen to weigh up all their options, Pat and Eddie met with their local Symponia member, and asked for help with their Care Destiny.
The adviser arranged to meet with them and during the consultation they discussed their hopes, dreams and wishes for the next stage of their lives. An integral part of their Care Destiny was the suggestion that they should take advantage of the luxury of time and visit the type of care homes they would like to live in.
Pat & Eddie visited a new care home they had watched being built. To say they were surprised would be an understatement. The manager met them at the home and showed them around.
They were kind of expecting to see plastic high-backed chairs, forming inner circles of doom, melancholy and loneliness. What they saw instead were bright open spaces, decorated in muted, soft shades with squashy sofas. Within the home they located a coffee house, wine bar, surround-sound cinema, WiFi throughout, flat screen TVs, chauffeur driven cars, a sensory garden, restaurants and above all a general sense of wellbeing.
When they talked with their adviser again they were able to factor in the actual costs into their Care Destiny. In addition to the care aspects Pat & Eddie were also able to make sure their wills were up to date, they met with a local solicitor to each establish Power of Attorney.
Wanting to relieve their daughters from second-guessing their wishes they also planned and paid for their funerals. The adviser presented them with a hard copy of their own Care Destiny – a working document designed to change if and when their circumstances did.
Having taken this pragmatic and important step Pat & Eddie are free to continue enjoying their retirement confident that they will be able to stay in control of their care futures even if they are unable to do so at the time care is needed.
The exercise also enabled them to make the decision to sell their existing property, they have located a new purpose built apartment with a south-facing balcony. Not only do they love the smaller space but the position on the top floor means that it can be locked up securely when they go travelling.
Their comprehensive, printed Care Destiny will work as a Blueprint for their daughters if it’s needed in the future.
To plan for your own future care destiny, why not ask Janet Davies, our financial advisor?