Dementia Care Time Bomb
Understand how care costs can impact family assets.
Estimate care costs
Protect your family legacy
Care costs can drain estate value quickly. Consider specialist cover and professional advice to protect your family.
Explore later life coverDementia care time bomb guide for UK families
WeCovr's dementia care time bomb calculator helps UK families estimate how care costs can erode assets, using indicative information prepared by WeCovr, an FCA-authorised insurance broking firm with over 900,000 policies issued across multiple classes of insurance. WeCovr also supports private medical insurance UK planning, while this guide covers dementia care costs.
What this dementia care calculator estimates
The calculator estimates total care costs based on monthly fees and years in care.
It compares costs with available assets to show potential shortfalls.
Projects total care costs.
Estimates how long assets may last.
Highlights remaining asset value.
Why dementia care can be costly
Specialist care often requires higher staffing levels and tailored support.
Why WeCovr supports later-life planning
WeCovr is an FCA-authorised insurance broking firm and has high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance. If you are comparing private medical insurance UK options, we can help you access private health cover through a trusted PMI broker.
Data sources and guidance references
This guide references UK dementia care cost benchmarks and guidance from care charities.
Care cost planning
| Scenario | Monthly cost | Years in care | Impact |
|---|---|---|---|
| Moderate care | £3,000 | 3 years | £108k |
| Higher care | £4,000 | 3 years | £144k |
| Longer care | £3,500 | 5 years | £210k |
Related WeCovr resources
FAQs
Does this include state support?
No. It assumes self-funding and does not account for local authority support.
Can care costs rise over time?
Yes. Costs can increase, so consider inflation in longer plans.
Is this legal advice?
No. It is an informational estimate only.
Should I seek specialist advice?
Yes. Later-life planning can be complex and benefit from expert guidance.
Get your score
Get your free Protection Score
Check how protected you are, spot the biggest gaps, and then decide what to do next.
Answer a few quick questions
See where your biggest protection gaps may be
Move into the right next step if you want help
What you get
A quick view of your current protection position
A clearer idea of where the biggest gaps may be
A direct route to tailored help if you want it