Although you will no doubt considered funding when looking at home care options, once you have finally selected the home care agency for you, it is important to revisit the idea of finance as this will be crucial in making sure you get the best out of your home care agency.
In this blog I offer advice for those who have decided upon a home care agency, but remain unsure of all their options when it comes to funding the services.
Many people will self-fund their home care if they have the money to do so, whereas others may have family members provide some of the financial support required to utilise home care.
Funding Via Your Local Authority
Of course, not everyone will have the finances available to fully fund their own care. Thankfully however, there is a range of options available.
First of all there is local authority funding. If you try to claim local authority funding, you will first have to be means tested in order for them to decide how much money you are entitled to.
Only the actual person seeking care is assessed in this process, and usually they need to have what is considered as ‘severe’ or even ‘critical needs’ in order to be eligible, but nevertheless it is well worth investigating as to whether you might be eligible or not as every local authority will be different.
If you find your local authority is unable to help you with funding, you may find there are state benefits available to help you instead.
First of all there is attendance allowance, which is a tax-free benefits for folks over the age of 65 who have a physical or mental disability, much like with local authority funding though, this will be dependent on the severity of your disabilities and usually anyone claiming attendance allowance will have to have been incapacitated by the disability for at least half a year. At present these figures stand at either £53 or £79.15 a week depending on the severity and level of care required.
For those under 65 there is the disability allowance. Like the attendance allowance this is currently broken down into two components, which in turn are broken down themselves. Firstly there is the care component, offering £ 21, £53 or £79.15 and then there is the mobility component broken down into two levels, the lower – which offers a weekly rate of £21 or the higher which offers a weekly rate of £55.25. The disability living allowance id usually paid once a month.
Aside from these two main schemes, there is also pension credit and the carer’s allowance.
Separately from them is the NHS Continuing Health Care (CHC) scheme which is funded by the NHS. It is free and is not means tested, however eligibility for this type of care is decided by your Primary Care Trust, and as you’d expect by now is typically offered to those with more severe medical conditions which require a high level of support and care.
Louisa Jenkins a care adviser. She offers advice for those looking into the right home care agency for themselves or a loved one, as well as blogging on all manner of care topics.