There's been a lot of information in the press recently about people having to sell their homes to pay for their care, with a lot of emphasis on family members 'losing their inheritance'. People seem to think that inheritance is a 'right', but it only applies after someone has died. You may need to pay for your own care at some point in the future, and unless there is a radical change to the current social care provisions (politicians keep promising but there's rarely any meaningful action) then the reality is that you would need to fund some/all of your care yourself. I hope that your children realise that they shouldn't expect an inheritance. My sister and I are currently in the process of selling the home that has been in the family for 90 years to pay for my Mum's care, and are under no illusion that there will be any money left as an 'inheritance' once her care has been paid for. Having had previous bad experiences of homes that Mum was placed in by social services we would rather have the ability to choose good care for her than an inheritance.