Exploring the services provided by a care company is crucial when seeking care for ourselves or our loved ones. However, it's equally important to consider the cost of care. Understanding your financial support options from the government or accessing guidance on payment methods can significantly simplify the process.
Navigating the intricacies of funding care can be challenging, and it's often unclear where to find comprehensive information. That's why our guidance aims to assist you in comprehending the available options. We provide valuable insights to help you better understand how to finance your care, making the decision-making process more manageable and ensuring you have a clear understanding of the resources at your disposal.
NHS funding offers a valuable opportunity for individuals to have their entire care costs covered. However, it's important to note that only a small number of people meet the eligibility criteria for this funding. Fortunately, there are alternative options available.
To determine if you may qualify for NHS funding, it is advisable to consult your GP and request a Continuing Healthcare Checklist. This brief screening test will help assess whether you should proceed with a comprehensive assessment. Successful completion of this assessment may entitle you to a Personal Health Budget (PHB).
A PHB empowers individuals living with disabilities or long-term health conditions by providing them with greater choice, control, and flexibility over their healthcare. Through coordination with your local Clinical Commissioning Group (CCG), you or your representative can access funding to be allocated towards resources that support your specific needs, including care services.
Under the provisions of the Care Act 2014, Local Authorities are obligated to assess individuals with care and support needs, irrespective of their funding status, ensuring no one is overlooked.
Upon completion of a needs assessment, a financial assessment will be conducted to determine your eligibility for care funding. Individuals with total assets below £23,250 will qualify for financial assistance towards their care expenses. As part of this process, you have the option to request a Direct Payment, granting you autonomy and control over how the funding is utilized to meet your specific care requirements.