Home Care Funding
Those with loved ones living with dementia will be all too aware of the complexities surrounding the funding of suitable care.
Whether in a care home or at home itself, the costs can quickly escalate as the condition becomes more severe. And, while home care – frequent or every so often – is the ideal option for many in the early stages of dementia, this still needs to be adequately funded without negatively impacting your current financial situation.
Local Authority
Your local authority should always be the first port of call when it comes to finding funding for home care. Since the introduction of the Care Act 2014, every person eligible for care will undergo both a needs and financial assessment to determine whether or not their home care can be funded or supplemented by their local council. The financial assessment will take into account your income and outgoings, as well as any other current assets in your name.
One advantage of seeking funding for home care from your local authority comes during the financial assessment, with your home not being factored into your personal assets. It’s only once you’re looking at moving into a care home does this become a factor. Instead, assuming your assets and income falls beneath the upper capital limit of £23,250, you will be eligible for financing from the local council.
NHS Continuing Healthcare
NHS Continuing Healthcare provides free social care for those with long-term health needs – known as ‘primary health needs’. With dementia able to cause challenging behavioural and communication issues, this may mean funding is available for care support. However, it is not uncommon for those living with dementia to be classed as having social care needs as opposed to health needs. Your GP or social worker will be able to arrange an assessment in order to determine eligibility for NHS Continuing Healthcare or whether you should apply to the local authority.
Self Funding
Should your financial assessment show that the value of assets exceeds the upper capital limit, you will likely find it necessary to self-fund your care. The Care Act 2014 states that charges for any care should be ‘reasonable’, yet the costs will still seem steep. For instance, the hourly rate for home care is usually in the region of £20, so the expense will add up as your demands increase. It’s important, therefore, that you reapply for assessment when you believe you are at a point where you are eligible for funding support.
At Avante Care & Support, our home care service can be funded through a range of options. Simply speak to a member of our team to learn more and ensure that you or your loved one is able to benefit from our personal, attentive care today.
