Funding Home Care in Havering

To fund home care in Havering you can utilise council funding, NHS continuing healthcare or private personal funds.

Home Care in Havering

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Council Funding

Council funding for home care is one of the most prevalent methods employed by residents in Havering. By relying on the local authority, you can access a wide range of social care services which are either fully or partially subsidised.

An appropriate course of action to take would be to start by applying for a care needs assessment from the Havering local authority. This assessment evaluates the level of care required, which can include live-in care, hourly care, or respite care. Based on the outcome of the assessment, the local council will then determine the type and extent of the support you can access.

Following the care needs assessment, a financial means test is the next step. In this phase, the local authority determines your capacity to contribute to your own care financially. Based on the results, it then awards funding for home care appropriately.

Remember, The Havering local council does not consider your property value when calculating your financial means provided that you or your partner are living in it.

If you are eligible for council funding, a detailed care plan including the types of home care service you will receive will be provided. To understand available home care options in Havering, you can check Types of Home Care Available in Havering.

NHS Continuing Healthcare

Another source of funding for home care in Havering is through the NHS continuing healthcare, which is overseen by the regional North East London Integrated Commissioning Board (ICB). This funding option is designed for people with long-term, complex health needs that are deemed 'beyond the norm'. More details on this can be found on the ICB's site.

The first step in gaining access to this funding is to undertake an initial assessment, where healthcare professionals utilise a checklist tool to determine the seriousness and complexity of your health needs. If you meet the required criteria, you progress to a full assessment.

The full assessment is conducted by a multi-disciplinary team of healthcare professionals who scrutinise the nature and extent of your health needs. Evidence from your GP along with other health and social care workers involved in your care can be taken into account.

Depending on the outcome of the assessment and the approval by the ICB, you may be granted the whole or a portion of the cost for your home care needs. The funding from NHS continuing healthcare can also cover the costs associated with health-related home care needs which may include specialised nursing, rehabilitation, or maintenance therapies.

If you want to learn more about NHS continuing healthcare, visit the PrimeCarers' Complete Guide to NHS Continuing Healthcare.

Private Funding

For individuals who are not eligible for either council funding or NHS Continuing Healthcare, private funding is the other option.

Private funding involves using your personal savings, income, assets, or private insurance to cover the cost of home care. As a rule of thumb, it would be best to consult with a financial advisor before you start financing your home care privately to ensure that you make informed decisions that support efficient budgeting and cost management.

Depending on your financial situation, there might be more cost-effective and sustainable ways to fund your home care. Some of these could include releasing equity from your home or investing in immediate care annuities.

If you choose to go down this route, it’s crucial that you understand the costs associated with home care in Havering. To assist with this, PrimeCarers provides a detailed guide about the Cost of Home Care in Havering.

Before you opt for private funding, it's worth exploring all the options to ensure that you can afford the level of home care you require. PrimeCarers offers a Complete Guide to Self-Funding Care that can give comprehensive details.

Conclusion

Funding home care in Havering can be daunting, but by considering these options and choosing the best fit for your circumstances, you can ensure that you or your loved ones continue to enjoy a high quality of life without undue financial stress. Whether you select council funding, NHS continuing healthcare, or private funding, rest assured that there is a feasible solution for you.

Remember, the best care is the one that acknowledges your needs, respects your choices and sustains your well-being. Review the Complete Guide to Home Care to grasp the general knowledge about home care and see how to best apply it in Havering.