It is a complex process and this outlines just the key points. We would encourage you to seek further specialist advice.
The charges for staying in a Care Home are divided into two different elements.
- Nursing Care which is care provided by a Qualified Nurse.
- Personal Care (such as help dressing, eating, bathing, mobility etc) and accommodation (which includes food, heating and living costs).
Nursing Care:
You may be entitled to a contribution from the NHS towards your nursing costs. If you wish to be considered for support, the NHS will assess a person’s nursing needs. If you meet their criteria, the NHS will contribute an amount according to the level of nursing input. This amount is paid directly to the Care Home towards the cost of the Qualified Nurses.
Personal Care and Accommodation:
In England, if you have over a certain level of savings and assets (£23,250 as of 2011) you will be expected to pay the full cost of your personal care and accommodation. If you have assets of less, your Local Authority will carry out both clinical and financial assessments to determine what type of care package best suits your needs and how much they believe you can contribute towards your care.
If you have assets of under this level, your Local Authority department will carry out both care needs and financial assessments to determine what type of care package best suits your needs and how much they believe you can contribute towards your care.
If the Authority is not prepared to pay the home’s full fee then this amount can be "topped up" by a relative/friend or charity.
If you own your own home prior to entering a Care Home the value of your home will be included in your assets, unless the house is occupied by your spouse (or in exceptional circumstances an incapacitated close relative). However, the Local Authority may disregard the value of your property for the first 12 weeks after your admission. After this period you will normally be expected to put the property on the market. Whilst the property is being sold the Local Authority will continue to make a contribution towards your fees, however, once the property is sold, you will be expected to repay them this amount. Alternatively, you can retain your property, with all payments made by the Local Authority deferred and deducted from your estate.
You should seek further specialist financial advice on these matters before making a final decision.