Funding Home Care in Cambridgeshire

It is possible to fund home care through different sources - such as council funding, NHS continuing care or private funding - and there are clear steps to follow to secure each.

Home Care in Cambridgeshire

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Understanding Home Care

Before delving into the funding details, it's essential to understand the various home care types you might need. Different types of home care services are available in Cambridgeshire, including live-in care, hourly care, and respite care. Depending on your specific needs, you might require full-time (live-in) care, part-time (hourly) care, or temporary relief (respite care).

Council Funding for Home Care

What is Council Funding?

Council funding is a source of financial support from local authorities towards the cost of your care. This assistance is based on a needs and financial assessment. If deemed eligible, you may receive funding for services like home care.

How To Access Council Funding

To be considered for council funding, your first step is to contact the Cambridgeshire local authority for a care needs assessment. This online process enables the local authority to evaluate your situation and recommend suitable care and support measures.

In the following, we will discuss how council funding works and how to take the first steps on this journey.

NHS Continuing Healthcare

What is NHS Continuing Healthcare?

NHS Continuing Healthcare, also known as CHC, is a funding option originating from the NHS. This healthcare scheme covers the total cost of care for individuals with severe, complex, and ongoing health needs. It caters to people in their own homes or care homes.

How To Access NHS Continuing Healthcare

If you think you tick the boxes, you can apply for an NHS Continuing Healthcare assessment via the Cambridgeshire and Peterborough Integrated Care Board who replaced the previous CCGs. Further information and how to begin your NHS Continuing healthcare journey can be found here.

Private Funding

What is Private Funding?

Private funding, also referred to self-funding, is precisely what it states. It’s funding your care independently. This method comes into use when an individual is not eligible for council or NHS funding, has personal preferences not met by public assistance, or opts for additional services.

How To Access Private Funding

There are no specific steps to access private funding as it mainly relies on personal finances. However, it's vital to consider the costs of home care to budget correctly.

Here, it's also worth exploring options like equity release, care annuities or assistance from family members. Also, remember to discuss your decision with a financial advisor for an in-depth insight into how best you can use your private funds for care.

Conclusion

Knowing how to fund home care in Cambridgeshire can ease the pressure that comes with caring for a loved one. Whether you decide to opt for council funding, NHS continuing healthcare, or personal funding, there are numerous resources available to help you navigate this often confusing pathway. PrimeCarers has a wealth of information in their complete guide to help you make the best choice for your care needs.

Remember, the journey of securing home care can seem daunting, but with the right information and support, you can find the best care for yourself or your loved one. So take your time, seek advice, and make sure you understand all your options before deciding.