Funding Home Care in Northumberland

Funding for home care in Northumberland primarily comes from council funding, NHS continuing care, and private funding

Home Care in Northumberland

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Council Funding

Council funding, granted by the local authority, is one of the main ways to fund home care in Northumberland. The local authority in Northumberland can provide financial help depending upon the needs and financial circumstances of the individual seeking care.

The Process

An assessment is the first step to check if you're eligible for council funding. During the assessment, a social worker or a trained member of the local authority's care team evaluates the care needs of the individual. The evaluation comprises physical health, mental health, and social factors that impact the health and wellbeing of the individual. If you're eligible, the next step is a means test.

Means Test

The means test is a financial assessment that decides how much the individual needs to contribute towards the cost of their care. A person's income, savings, and capital are assessed to determine if they can afford the contribution. Information on the charge rate for care home residents can be found here. Those with a lower income and lesser assets often receive more funding compared to those with higher income and assets.

NHS Continuing Healthcare

NHS continuing healthcare is a package of care that is entirely funded and arranged by the NHS. If a person has a complex medical condition that requires ongoing care, they may be eligible for NHS continuing healthcare.

Eligibility and Assessment

The eligibility for NHS continuing healthcare is based on a person's assessed needs, and not on any particular diagnosis or condition. The needs assessment is multi-disciplinary and focuses on health and social care needs. If it appears that the person may be eligible, a full assessment is arranged.

Full Assessment

The full assessment is carried out by a team of at least two health or care professionals who are already involved in the person's care. The details pertaining to NHS continuing healthcare by the integrated commissioning board can be found here.

Private Funding

Private funding can be considered as an option for those who might not qualify for council or NHS funding. This means individuals or their families would pay for home care.

Self-Funding

In self-founding, an individual either uses their savings or income to pay for their care. This includes pensions, investments, or trusts. While the cost varies based on the extent of the care needed, understanding the Cost of Home Care in Northumberland ahead of time can help in planning.

Insurance Funding

Equity release schemes or immediate needs annuities are specialist types of insurance that can contribute to care costs. It is crucial to seek professional advice before opting for these plans.

Throughout all these options, remember that help is available whether it be live-in care, hourly care, or respite care. PrimeCarers provides access to a network of checked and vetted carers who can provide the required care at home. The best place to start is by understanding the Types of Home Care Available and also by identifying the Best Home Carers in Northumberland.

Overall, the suitable funding option for home care depends upon an individual's care needs and financial circumstances incorporated with consultation with professionals in the sector ensuring the best care is received.