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How to fund your home care or live in care – are you a self funder ?

How to fund your home care or live in care – are you a self funder ?

How to fund your live in or home care – are you a self funder ?

 

Social care for older people in the UK is usually subject to means testing. What this means  is that you may have to pay some or all of your care costs, subject to 1) your wealth, made up of your income and assets and 2) eligibility criteria – laid down by the government and interpreted by Local Authorities.
There are varying levels of care need within the eligibility criteria, low, moderate, substantial and critical.
Critical:

  • Life threatening harm or danger due to your physical or mental health or behaviour.
  • Inability to carry out most/all personal care, daily household chores causing a major risk to your independence.
  • Inability to sustain most/all aspects of work/education/learning and family life causing a  major risk to your independence.
  • Extensive loss of control over most/all aspects of your home environment causing a major risk to your independence.
  • Complete relationship breakdown between you and your carer.

 

 

Substantial:

  • Significant harm or danger due to your physical or mental health or behaviour.
  • Inability to carry out many personal care, daily household chores causing significant risks to your independence.
  • Inability to sustain many aspects of work / education / learning / community and family life causing significant risks to your independence.
  • Loss of control over many  aspects of your home environment causing significant risks to your independence.
  • Significant risk of a relationship breakdown between you and your carer.

 

 

Moderate:

  • Inability to carry out some personal care, daily household chores and / or manage your home environment causing some risks to your independence.
  • Inability to sustain some  aspects of work/education / learning/community and family life causing some risks to your independence.
  • Moderate risk to your carer’s ability to sustain some aspects of their caring role.

 

 

Low:

  • One or two aspects of your      personal care and daily household chores are difficult for you to manage  low risk to your carer’s ability to sustain their caring role.

To determine if you are a self-funder or if the state will help pay all or part of your care costs you should initially contact your Local Authority to have your care needs assessed, this is officially known as a ‘Section 47 care assessment’.

 

Following your care assessment the Local Authority will carry out a Means Test to determine the reasonable cost for the care required and assess your ability to pay for or contribute to the cost, by assessing your income and assets.

 

Working out if you are likely to be a self-funder of care in your own home, either live in or home care is more challenging. This is because the eligibility criteria for home care are applied by each Local Authority according to guidelines they set and use within that Local Authority.

Broadly speaking, if you have combined assets of over £23,250 in England, Wales and Northern Ireland, or £24,750 in Scotland – excluding the value of the home you are going to continue to live in – you are unlikely to receive funding for your social care. You may still be eligible for other non means tested state benefits, however, you should ask your local authority for more information.

 

Anyone can, of course, arrange and pay for their own care and care costs will depend on how much care you need and where you live. It is always advisable to get a care needs assessment even if you know that you are going to pay for your own care.

For help or advice with funding contact Terri Jenner or Tacy Broadbridge at Abbots and PA Care on 01727 891004. We will  give you advice or visit you to help you determine the right service for you.



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