Many people can receive assistance or funding for their care. Are you missing out?
Care planning is essential as the cost of care can be an essential and often over seen commitment. Many people we speak to do not know where to turn for information around the funding or assistance available for their care. We have provided some information below and can work with people no matter what their financial situation. Please give us a call for more information and how we can help you.
Below are some Information and Options for funding your care:
Care at home is generally the same cost as a care or nursing home. If the care is for a couple, then it can be almost half the cost.
Our Introduction Service costs £428 less per week than the average live -in care cost in the UK. That’s £1712 saved each month!
ATTENDANCE ALLOWANCE: (Everyone receiving care is entitled to this payment)
Attendance Allowance helps with extra costs if you have a disability severe enough that you need someone to help look after you.
It’s paid at 2 different rates and how much you get depends on the level of care that you need because of your disability.
You could get £58.70 or £87.65 a week to help with personal support if you’re both:
- physically or mentally disabled
- State Pension age or older
It does not cover mobility needs.
The other benefits you get can increase if you get Attendance Allowance.
You do not have to have someone caring for you in order to claim.
Attendance Allowance rates
|Rate||Level of help you need|
|Lower rate – £58.70||Frequent help or constant supervision during the day, or supervision at night|
|Higher rate – £87.65||Help or supervision throughout both day and night, or you’re terminally ill|
- Available to anyone over 65 years
- Tax free
- 2019 Rates are £58.70 or £87.65
- Can be used for homecare
- Is not means-tested: what you earn or how much you have in savings will not affect what you get.
- You can apply online
You can find more information on Attendance Allowance here https://www.gov.uk/attendance-allowance
LOCAL AUTHORITY SUPPORT: (Please note we accept Direct payments)
This type of funding is only available if you have less than £23,250.00 in savings and assets in England.
If your income and savings are above this limit it’s still worth contacting the local authority. As you still have the right to a care needs assessment, regardless of your financial situation. Your local authority or trust might still take some of your income, if you’re below these limits.
Before they can help, your local council must carry out a care needs assessment. It’s free and it’s your legal right to have one. You should not be refused an assessment because the local authority thinks your needs aren’t great enough or that you won’t qualify for financial help. The local authority will identify your care needs and check that they meet a nationally agreed set of criteria.
If you qualify for help, they have a legal duty to provide or arrange the services you need.
They will then carry out a financial assessment to work out if you should pay towards any services you need.
You can also assess your own care needs or complete an assessment for someone else.
This could be done online and sets out in your own words the care that you think you, or a person you care for, might need.
If your local authority agrees with this self-assessment, you’ll be able to access the same range of support services as if you’d been through a full care needs assessment from a local authority care specialist.
Self – Funding:
If you do not qualify for any care funding available (apart from the attendance allowance) then you will be responsible for funding your own care. However please check out the following options as you could be entitled to some benefits or may like to seek further assistance regarding your options:
-COUNCIL TAX REDEMPTION / EXEMPTION
-DISABILITY LIVING ALLOWANCE / PERSONAL INDEPENDENT PAYMENTS (PIP)
-ANY OTHER BENEFITS OR ENTITLEMENTS
-EQUITY RELEASE OPTIONS
-IMMEDIATE NEED ANNUITY (Insurance policy known as a care fee plan)
-SPEAK TO AN INDEPENDENT FINANCIAL ADVISOR FOR ANY OTHER OPTIONS.
For more information contact your local authority or call us.
If you have a disability or complex medical condition that means you have healthcare needs rather than social care needs, you might qualify for NHS funding.
NHS CONTINUING HEALTHCARE (NCH):
Some people with long-term complex health needs qualify for free social care arranged and funded solely by the NHS. This is known as NHS continuing healthcare.
NHS continuing healthcare can be provided in a variety of settings outside hospital, such as in your own home or in a care home.
Who is eligible for NHS continuing healthcare?
Adults may receive a “continuing care package” if they have needs arising from disability, accident or illness that can’t be met by existing universal or specialist services alone.
To be eligible for NHS continuing healthcare, you must be assessed by a team of healthcare professionals (a multidisciplinary team). The team will look at all your care needs and relate them to:
- what help you need
- how complex your needs are
- how intense your needs can be
- how unpredictable they are, including any risks to your health if the right care isn’t provided at the right time
Your eligibility for NHS continuing healthcare depends on your assessed needs, and not on any particular diagnosis or condition. If your needs change then your eligibility for NHS continuing healthcare may change.
You should be fully involved in the assessment process and kept informed, and have your views about your needs and support taken into account. Carers and family members should also be consulted where appropriate.
A decision about eligibility for a full assessment for NHS continuing healthcare should usually be made within 28 days of an initial assessment or request for a full assessment.
If you aren’t eligible for NHS continuing healthcare, you can be referred to your local council who can discuss with you whether you may be eligible for support from them.
If you still have some health needs then the NHS may pay for part of the package of support. This is sometimes known as a “joint package” of care.
Clinical commissioning groups, known as CCGs (the NHS organisations that commission local health services), must assess you for NHS continuing healthcare if it seems that you may need it.
For most people, there’s an initial checklist assessment, which is used to decide if you need a full assessment. However, if you need care urgently – for example, if you’re terminally ill – your assessment may be fast-tracked.
Initial assessment for NHS continuing healthcare
The initial checklist assessment can be completed by a nurse, doctor, other healthcare professional or social worker. You should be told that you’re being assessed, and be asked for your consent.
Depending on the outcome of the checklist, you’ll either be told that you don’t meet the criteria for a full assessment of NHS continuing healthcare and are therefore not eligible, or you’ll be referred for a full assessment of eligibility.
Being referred for a full assessment doesn’t necessarily mean you’ll be eligible for NHS continuing healthcare. The purpose of the checklist is to enable anyone who might be eligible to have the opportunity for a full assessment.
The professional(s) completing the checklist should record in writing the reasons for their decision, and sign and date it. You should be given a copy of the completed checklist.
You can download a blank copy of the NHS continuing healthcare checklist from GOV.UK.
You should be informed who is co-ordinating the NHS continuing healthcare assessment.
The team’s assessment will consider your needs under the following headings:
- nutrition (food and drink)
- skin (including wounds and ulcers)
- psychological and emotional needs
- cognition (understanding)
- drug therapies and medication
- altered states of consciousness
- other significant care needs
These needs are given a weighting marked “priority”, “severe”, “high”, “moderate”, “low” or “no needs”.
If you have at least one priority need, or severe needs in at least 2 areas, you can usually expect to be eligible for NHS continuing healthcare.
You may also be eligible if you have a severe need in one area plus a number of other needs, or a number of high or moderate needs, depending on their nature, intensity, complexity or unpredictability.
In all cases, the overall need, and interactions between needs, will be taken into account, together with evidence from risk assessments, in deciding whether NHS continuing healthcare should be provided.
The assessment should take into account your views and the views of any carers you have. You should be given a copy of the decision documents, along with clear reasons for the decision.
Fast-track assessment for NHS continuing healthcare
If your health is deteriorating quickly and you’re nearing the end of your life, you should be considered for the NHS continuing healthcare fast-track pathway, so that an appropriate care and support package can be put in place as soon as possible – usually within 48 hours.
Care and support planning
If you’re eligible for NHS continuing healthcare, the next stage is to arrange a care and support package that meets your assessed needs.
Depending on your situation, different options could be suitable, including support in your own home and the option of a personal health budget.
Your CCG should work collaboratively with you and consider your views when agreeing your care and support package and the setting where it will be provided. However, they can also take other factors into account, such as the cost and value for money of different options.
If you’re eligible for NHS continuing healthcare, your needs and support package will normally be reviewed within 3 months and thereafter at least annually. This review will consider whether your existing care and support package meets your assessed needs. If your needs have changed, the review will also consider whether you’re still eligible for NHS continuing healthcare.
If the CCG decides you’re eligible, but takes longer than 28 days to decide this and the delay is unjustifiable, they should refund any care costs from the 29th day until the date of their decision.
*Also non- means tested
*Funded by the NHS
*Can be used for homecare
*Must have an assessed health need
For more information on CHC Funding click here https://www.nhs.uk/conditions/social-care-and-support-guide/money-work-and-benefits/nhs-continuing-healthcare/
Pension Credit is an income-related benefit to give you some extra money in retirement. If you’re on a low income or struggling to make ends meet, claiming Pension Credit could help. It comes in two parts and you may be eligible for one or both parts.
Pension Credit comes in two parts:
Guarantee Credit tops up your weekly income to a guaranteed minimum level:
- £167.25 if you’re single
- or £255.25 if you’re a couple.
Savings Credit is extra money if you’ve got some savings or your income is higher than the basic State Pension. It’s only available to people who reached State Pension age before 6 April 2016. You could get up to:
- £13.73 extra per week if you’re single
- or £15.35 if you’re a couple.
How could Pension Credit help me?
If you’re eligible, Pension Credit will not only give you a bit of extra cash, it could also help you get other benefits too:
- It’s unlikely you’ll have to pay Council Tax (unless other people live with you).
- You’ll get free NHS dental treatment, and you can claim help towards the cost of glasses and travel to hospital.
- You’ll get a Cold Weather Payment of £25 when the temperature is 0°C or below for 7 days in a row.
- If you rent your home, you may get your rent paid in full by Housing Benefit.
- If you own your home, you may be eligible for help with mortgage interest, ground rent and service charges.
- If you’re a carer, you may get an extra amount known as Carer Premium, or Carer Addition if it’s paid with Pension Credit. This is worth up to £36.85 a week.
You have nothing to lose by applying, but potentially a lot to gain, and even if you’ve previously been turned down, it’s always worth making a new claim every year. Benefits rates change every year, as can your finances.
To maximise their benefit income, the vast majority invest it in their only home. Your home is exempt when calculating Pension Credit / Income Support etc. You could very well own a property outright valued at say £850,000, but you will still be entitled to full means tested benefits.
*Provides a guaranteed minimum level of income If it is below:
*£148.33 (single person) or £148.35 (Couple)
For more information on any of the above topics mentioned please do call us for a friendly and helpful chat.
We are proud of our client reviews…
“I have to say that I have been very satisfied with the service provided by Carers on Demand. The manager was very careful in looking to find the right respite carer for me and my partner. Clearly, they match the client with the carer, and it has worked, as we are very happy indeed with the carer they have provided. I also found Carers on demand efficient and prompt, which very much helps during what could be a stressful process.”
Ms G, East Sussex
“From the start when I met Emma the manager of Carers on Demand I knew we had found the care we had been looking for, for our parents. Emma was intuitive, she had a wealth of knowledge about the carers and caring and listened carefully to our specific needs. This was borne out when she told us that she knew the exact carer for our parents. Emma was absolutely right the carer was amazing. This has also been true of other care we have had to put in place, Emma handpicks the carers to suit your needs. Emma has responded to all our needs and this has been challenging from our side but she has responded with professionalism and support and always met our needs. I would highly recommend the service that is provided. Definitely 5 star service provided.”
Carers on Demand were so responsive to my husband’s needs, they listened to all of my instructions and listed every detail in the Needs Assessment. They were quick to introduce us to a lovely carer that can drive and I feel relieved that I no longer have to feel all the burden myself.
Mrs M – Surrey
We have been very happy with the carer put in place for both of my parents through Carers on Demand. The carers have been excellent and my parents are very happy with them. Emma, the manager, has been professional, responsive, and sensitive throughout our dealings with her and the team at the company have been efficient and organised. Highly recommended.
Ms H (Clients daughter) – Hertfordshire
Excellent company. Would highly recommend to anyone requiring live-in care services. Really caring and supportive. The carers and management are five star!
KM – Brighton
Excellent! Highly recommend to anyone looking for a well-trained, reliable live-in carer. The manager has great experience and knowledge in the field and is very helpful and well informed.
JK – Director, of leading care company in Brighton and Hove
Great company, organised and compassionate. Manager is kind and very supportive! Highly recommended!
DM – Client London.
“I have to say that I have been very satisfied with the service provided by Carers on demand. They were very careful in looking to find the right respite carer for me and my partner. Clearly, they match the client with the carer, and it has worked, as we are very happy indeed with the carer provided. I also found them efficient and prompt, which very much helps during what could be a stressful process.”
Prof G, East Sussex
“Carers on Demand offer an excellent service – having used various care companies over the past ten years, Carers on Demand lead the way with their attention to detail and caring ethos. I wouldn’t hesitate to recommend them.”
Mr D, London
An excellent service. I needed a carer for my husband while I went away, the manager carried out a comprehensive needs assessment beforehand so that the carer had all the information she needed to look after my husband. Maria the carer was very good, she did a great job and left the house really clean and tidy at the end of her stay. I have just booked in my second respite booking and I was offered the same carer again which was excellent news.
M. Davey (Clients wife) – Sussex
Really great service offered, professional manager and excellent quality of care staff. Would recommend.
Dani – Client – London
Carers on Demand have been brilliant, they offer support and advice anytime, and really go the extra mile for carers and client, the needs assessments are so detailed, I have everything written down to ensure my client has person-centred care. Great company to work with.
Ms B, Portsmouth, (Carer)
Carers on Demand offer great training, they are organised and efficient we are given has all the information we need. Emma is really, friendly. professional and supportive.
Miss T, London, (Carer)
Thank you for all your support!
Ms S, Brighton – (Carer)