House Clearance Help & Advice: Getting help with the cost towards
a nursing home
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If and when the time comes that you need to move into a care home to
be looked after, then choosing the right one is essential. However when
it comes to nursing and care homes they can be expensive but sometimes
you can get help towards the cost of paying for your care.
Although the majority of people will have to pay a huge part of the cost
of the care themselves or their loved ones will be asked to pay, you might
also be entitled to claim some of the cost from the government towards
the costs. Your local council will be able to work out much you will have
to pay towards the cost and how much they will pay to help you; the amount
is based on several factors.
Before you choose and move into a care home the local council will do
a financial assessment to see how much they could pay towards the cost
of the home. They will take into account how much you have coming in and
going out and the savings you have. Your private or state pension will
be taken into account as will any interest that you make on your savings
in the bank.
Your savings, investment and any property that you own may also be taken
into account during the assessment. It is essential that if you are entitled
to any benefits, that you claim them before you have the assessment by
your council, the reason for this being that the amount that you are entitled
to will be worked out on the assumption that you have claimed and are
receiving all the benefits you are entitled to receiving.
When taking into account how much you will get towards the cost of paying
for your care home it will assessed that you have at least £18.80
a week to spend on as you choose.
If you any savings and that amount is over £21,000 then you will
be considered as being able to pay the full amount of your care yourself.
Also if you own your own property, then it will normally be counted as
having capitol when you have lived in the nursing home for 12 weeks or
more. However if there are close relatives living in you home then it
cannot be counted as capitol.
Before you have a financial assessment you will first have a needs assessment,
this is done to determine the type of care for your needs. Different homes
give different types of care so this will be taken into account first,
it will then be determined how much the council will be able to put towards
the cost of your care. After this either the council will find a suitable
nursing home for you or you can choose to find one yourself that is within
your financial limitations.
If the care home that you choose to go to yourself is above that as assessed
by your local council, then you may go there but you will have to find
the difference between the allowance the council gives you and the amount
of the total cost of the nursing home yourself.
Call us today on FREEPHONE 0800 0352653 or contact
us via e-mail.
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