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  Helps pay the customer’s care home fees

  Provides the customer with a professional care needs assessment in their own home.

  Pays the shortfall between a customer’s care home fees and their pension income for 3 years.

  Continues to pay this shortfall after the three year period for as long as needed through a discretionary grant.

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  Takes care of the customer’s home

  Removes any need to sell the customer’s home and permits the customer to retain the freehold of their home.

  Permits the customer to pass their home onto their chosen beneficiaries.

  Improves the property to a good lettable standard, lets and manages it.

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  Ensures the customer’s chosen beneficiaries inherit their home

  Shaw Lifetime Care secures these services by taking a lease on the customer’s home and then granting the customer or their beneficiaries. The right to terminate the lease any time subject to payment of a lease break fee

  Provides the customer with a schedule showing the cost of the lease break fee each year until it has reduced to nil (typically after 10 years).

  Overcomes the limitations of the Government’s Deferred Payment Agreement ( DPA ). DPAs offer an alternative way of paying care home fees with the wealth in your house without selling your house.

Almost none of the above benefits provided by the CHIP and listed above are available with a DPA : See Product Comparison pages