It is a fact that people are living longer and sadly because of longevity, this may mean we have comorbidities and therefore many people are worried about long term care and what that may mean for themselves and/or for their loves ones.
Most people wish to remain as independent as possible and live in their own homes. Unfortunately, that is not always possible due to their situation and they may have to enter long term or permanent residential or nursing care in a care home or hospital type setting. Therefore, funding for care is an important consideration when you or your loved ones require even minimal care. Once you find yourself in a position where you have been diagnosed with a progressive illness you may start to think you may need care in the future and this may lay heavy on your mind, and so it is important to seek advice early as it may be that your fears can (as often they will) be allayed. For example, you may find that you or a loved may be eligible for support from the NHS or Local Authority to assist you with the cost of care. Working out if you are eligible and then applying for benefits can be a complicated and confusing process that we can help with.
What support can you get?
The type of support available to you will depend on the level of your needs. A large number of factors will be taken into account in assessing your needs including health, mobility and the type of assistance required on a day to day basis. It may be necessary for a financial assessment to be carried out to calculate whether there are sufficient funds available to cover the cost of care or whether a contribution to the cost can be made.
The cost of care is likely to carry a significant financial impact. So, it is important to seek specialist care funding advice at the earliest opportunity.
Expert Care Funding Advice
We understand the complexities of care funding and can advise you on aspects such as entering into care contracts, third party top up arrangements, eligibility for care funding such as local authority contributions and NHS Continuing Health Care. We can also advise on obtaining services under The Care Act 2014 from the Local Authority, financial assessments, deprivation of capital rules and deferred payment arrangements.
We can also advise you on appealing decisions made by the Local Authority or the NHS, if it is felt that they have not complied with statutory law or regulation.