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Understanding all of your funding options can make a big difference to the care you choose
Finding a care home for yourself or an older loved one, and organising the move into full-time care, can be a daunting and emotional process. When the time comes to choose a care home, understanding how care is funded and what costs are involved will help you to navigate the process more quickly and easily.
funding dependant on your financial circumstances
Unlike healthcare delivered in the NHS, the care of older people in the UK is not free to everyone. The funding support that you are entitled to will depend on your financial circumstances and your location.
In order to calculate the true cost of care, a clinical assessment will be undertaken to determine the type of care package that best suits you or your loved ones needs. We will schedule a pre-admission assessment to see if the we can meet your or your loved ones needs.
Whether people decide to become a resident with us or at another care home, we strongly advise seeking expert independent financial help before making any final decisions.
There are 3 types of funding options available to cover the costs of a care home, these are all based on eligibility criteria which is initially based on your financial circumstance:
If you have less than £14,250
Your capital is disregarded, and you will be entitled to the maximum support available. i.e. local authority funding.
If you have between £14,250 and £23,250
You are entitled to some financial help but will be expected to contribute to the weekly fee for every £250 you have over £14,250.
If you have more than £23,250
You will be expected to pay for all of your care yourself, known as self-funding.
Types of Funding
Local authority funding: To decide if you are eligible for financial support for a care home, the local authority will first carry out a free needs assessment to work out what level of care you require. If you’re assessed as having ‘eligible needs’, the authority will next carry out a financial assessment, as per the guidelines above, to gauge whether you are eligible to have some, or all of your care costs funded by the council.
Self-funding: You will have to arrange and pay for a care home if you have savings and assets in excess of the capital limits for care (see above) and don’t qualify for local authority funding because your needs weren’t found to be sufficient following a needs assessment.
NHS funding: In some circumstances, the NHS will cover the cost of all or some of the care based on your needs. NHS Funded Nursing Care is available if you are assessed as requiring nursing needs and reside in a care home. NHS Continuing Healthcare is available to all who need ongoing health care outside of hospital if they have complex medical care needs due to disability, accident or a major illness.
For more independent advice and greater detail on the above please visit the links below:
Get in Touch
Call us direct on : 01932 732600
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