When you’re looking to arrange care for a loved one planning for the costs maybe something you have little knowledge in. There are numerous funding routes that may apply, you may be entitled to funding from your council’s social services department, which can pay for some or all of your care. Alternatively, you may need to pay care costs yourself and there are many different options that can help you to do so.
When paying for care, you can be rest assured that within Cumbric Care homes this covers all the all essential requirements such as utility, meals, bedroom décor and daily activities. However, there are a few things your relative may appreciate and these do cost a little extra, these include things like hair dressing, chiropody, newspaper deliveries.
If you feel as though you would like more information on funding and you cannot find the answer here you can call your local authority.
Social Service Funding
Your local authority social services department will assess your need for care, you should arrange a meeting with them and discuss your relatives’ needs and any concerns you may have. If it is agreed that care is needed, they will then assess your finances to see what funding options are available to you.
If you are assessed as needing a care home place and your capital will be assessed and the three options below may apply:
- You may be entitled to some financial support from your local authority.
- You may be entitled to full financial support
Self-Funding
If you or a family member require care, your first line of enquiry should be to find out whether you are eligible for funding support, it is your right to receive an assessment of your needs by your local authority.
If you are required to pay your care fees yourself you are known as a ‘self-funder’.
Continuing Healthcare
Some people with long-term complex health needs qualify for care arranged and funded solely by the NHS, this is for individuals who are not in hospital and have been assessed as having a “primary health need”. This is known as continuing healthcare.
For most people, the first step is to have an assessment via the local authority and a screening tool will be used. If this suggests that you may be eligible for NHS continuing healthcare, a full up-to-date assessment of your needs will be arranged.