Planning and paying for care
When it comes to protecting you and your family’s welfare, it is important to plan ahead for how you will cope should you or your spouse end up paying for nursing care or a residential home. For many of us, the prospect of planning for the future and what it may involve can be quite intimidating. The idea of being responsible for paying for care home fees, for example, can be quite complex and require a lot of knowledge and planning to ensure your future is as smooth and straightforward as possible.
If you have assets above £23,250 you will be paying care home fees in full unless your health needs entitle you to NHS continuing healthcare funding. As well as the asset test, other rules will affect your ability to secure funding. Some are extremely complex and mistakes are common when assessing how much an individual should be paying for care.
We can help ensure social services correctly apply financial assessment rules so you do not pay too much. Legal advice may help you retain assets for your partner and sometimes prevent you having to sell your family home to fund your care. We advise on deprivation of assets rules and how the Local Authority will treat your assets (such as investments, jointly held assets and the family) when completing financial assessments.
If you or a family member want to stay at home, we can help you access appropriate care funding including disabled facilities grants for adapting your home. To give a carer a break, or if your care needs changing, we can also advise on securing respite care and the charging rules for temporary care placements. If you or your family member has complex health needs, you may be able to have your care at home funded by an award of NHS continuing healthcare.
We can also advise on alternative funding options including deferred payment agreements (social services’ loans) to fund care for the elderly or vulnerable individual. We can also help you understand your obligations to pay top up fees.
We offer practical and proactive, as well as being able to challenge the decisions of your local authority or NHS if they do not provide the support they are supposed to.