Sarah Lord, a chartered financial planner at Killik & Co., replies: Your home is ignored from any means test for care bills if the surviving spouse or partner continues to live there.
Also, if the property is owned as 'tenants in common' it is effectively kept out of the means test. If you currently own the home as joint tenants, consider switching it to tenants in common.
Do not fall into the trap of gifting the property to your sons. Local authorities can still take account of assets that have been deliberately given away to avoid care bills.
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