Deprivation of assets and the care home means test

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Deliberate deprivation of assets occurs when an individual transfers an asset out of his/her possession in order to put themselves in a better position regarding the means test for care home accommodation – i.e. to make it more likely that they will qualify for local authority assistance towards the costs.

The term deprivation covers a broad range of ways in which the owner of an asset might give it away or transfer it out of his or her possession. For example:

  • A lump-sum payment, such as a gift, has been made to someone else.
  • Transferring the title deeds of a property to someone else.
  • Putting money into a trust that cannot be revoked.
  • Converting money into another form that has to be disregarded from the means test – for example, expensive personal possessions.
  • Reducing capital through “living extravagantly” – for example, substantial expenditure on items such as luxury holidays, or by generally following “a much higher standard of living than the resident could normally afford” (source: The Charging for Residential Accommodation Guide, Welsh Government).

Our following factsheet has further information:

Advice line:
08000 223 444

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