Nursing Home Support Scheme Advice is a private, fee paying advisory service that provides essential information and assistance on the Nursing Home Support Scheme — Fair Deal Scheme. We help many customers who do not require Nursing Home care for the foreseeable future but want for peace of mind to plan out their future care needs and more importantly what it will cost them. Our service can calculate the contribution to care that they will have to pay and we will advise how their assets will be impacted should they avail of the support under the Nursing Home Support Scheme and whether the Nursing Home Support Scheme is the right funding option for them given their personal financial circumstances.
The Nursing Homes Support Scheme is a scheme of financial support for people who need long-term nursing home care. Under the Nursing Homes Support Scheme, you will make a contribution towards the cost of your care and the State will pay the balance. This applies whether the nursing home is public, private or voluntary The amount of contribution you will have to make towards your weekly Nursing Home costs to cost will depend on your income and if you have any, the value of your assets.
In order to avail of the Nursing Home Support Scheme fair deal an applicant must complete two assessments. Which are as follows:
This is an assessment that looks at the applicant’s health and care need, their ability to live independently, capacity to make everyday decisions and examines what available supports are at home and in the community. To qualify for the Nursing Home Support scheme the care needs assessment once completed needs to recommend long term care for the applicant. The Care needs assessment is carried out by healthcare professionals such as a Geriatrician or a District Health Nurse who will need to meet and assess the applicant.
This looks at the income, assets and liabilities of the applicant and determines the applicant’s contribution to their cost of care and the corresponding level of financial assistance (“State Support”) that they will receive. Under the Scheme the applicant will pay 80% of their income and 7.5% of the value of any assets they may have per annum. These figures are reduced for couples.
The Nursing Home Loan Where the applicant has assets including a Family home the applicant is required to pay 7.5% of these assets as a contribution towards their cost of care. Under the Nursing Home Support Scheme, you do not have to pay the asset contribution during your lifetime. This is helpful if you have assets such as property and investments but don’t have funds available to pay towards your care costs The HSE pays this element of your assessed contribution towards your cost of care which will be accumulated as a loan (Called the Nursing Home Loan) and collected by the Revenue Commissioners from your estate after your death. The loan will be registered as a charge on your property. Where you have a partner living in your family home this debt can be further deferred if funds are not available to pay the loan from your estate. This is a complex area and we will happily discuss how it will impact the applicant’s personnel circumstances.
Application for a
Care Needs Assessment
How can we help you?
Our fee- paying advisory service will be tailored to meet your specific needs:
Our Coverage Services Area: Cork, Carlow, Cavan, Clare, Donegal, Dublin, Galway, Kerry, Kildare, Kilkenny, Laois, Leitrim, Limerick, Longford, Louth, Mayo, Meath, Monaghan, Offaly, Roscommon, Sligo, Tipperary, Westmeath, Waterford, Wexford and Wicklow.
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Call: 086 601 5042