Funding for care can be a little complicated. Many people think that service from a home care agency is beyond their financial means, however care at home is becoming an increasingly popular option. Funding care is a confusing topic and we can help to point you in the right direction.
If you have been assessed as needing services from a home care agency, you may be offered direct payments. As part of this arrangement, payments will be made by your local council directly to you so that you are able to organise and pay for your care service. These payments are designed to support you to remain living at home, encouraging independence and social inclusion in areas such as employment, education, and leisure activities. If you choose this option, social services will become involved in assessing your financial situation and a social worker will assess your personal needs, they may offer support if required. Should you select a level of care that exceeds your allowance you can top this up from your own funds.
If you are not eligible you don’t have to wait for a social services assessment, you can approach a private company straight away.
In order to be eligible for NHS CHC, it must be established that your need for care is primarily health related. Additionally, this need must be assessed as complex, substantial and ongoing. It doesn’t matter what your income is or what savings you have, if you meet the criteria, you are entitled to free NHS CHC funding. Remember, NHS continuing healthcare funding is not means tested and it can cover up to 100% of care costs.
If you are currently paying, or have previously paid for care, you could be eligible for funding to cover future care costs or to recover care costs which have already been paid.
If you do need help, please get in touch and we can assess your circumstances. For further information on Direct Payments contact your local social services, or click here for more information.
If you would like to discuss funding in more detail, please click here to get in touch.