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It is indeed true that this Trust will not provide protection in respect of Care Home fees - there is no trust that will do so because the Local Authority has wide powers to simply disregard and disposal of property when it comes to assessing what capital is available - and then simply refusing to pay the fees until they calculate the "missing" capital would have been spent.
Unless there is a real risk of Inheritance Tax there is little point in spending the money on a complicate Trust.
I am sorry that I cannot give you better news and a guaranteed way around the problem (one which I have faced myself)
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