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Funding home care in Somerset can be achieved through three main channels: council funding, NHS continuing care, and private funding.
Somerset local authority can provide financial assistance for your home care needs depending on your financial situation and the level of care required. To qualify for this, a care needs assessment will be carried out.
The care needs assessment evaluates your physical, emotional and mental wellbeing to determine the level of care you require. Following this, a means test is conducted to assess your income and savings. If your capital is below £23,250, you can qualify for council funding. However, if your capital is above this amount, you may need to pay for some or all of your care. You can find further details on the Somerset local authority website.
The first step is to contact the local authority directly or ask your GP or social worker to refer you. They will then arrange the care needs assessment at a place and time suitable for you.
Continuing healthcare is funded by Somerset Integrated Commissioning Board (formally CCGs) and is a package of ongoing care arranged and funded by the NHS for people with complex medical conditions.
To qualify for NHS Continuing Healthcare, your primary need must be a health need, not a social or personal care need. The assessment process involves the completion of a checklist, followed by a comprehensive assessment if you meet the initial criteria. The process can seem overwhelming, but it's crucial to know that you have a right to have an advocate present during assessments and reviews. You can find more details about continuing healthcare on the Somerset Integrated Commissioning Board website.
Contact your GP or social worker, and request a NHS Continuing Healthcare Checklist assessment. If eligible, you'll be referred for a full assessment.
If you aren't eligible for council funding or NHS continuing care, you may need to fund your care privately. This is known as self-funding.
Private funding involves paying for home care services out of pocket. Costs can vary depending on the level and type of care required. Home care can incorporate anything from live-in care to hourly care, and respite care, and the cost of home care in Somerset can give you a detailed idea of what to expect.
Start by determining the costs associated with care and identifying how to meet those costs. Getting independent financial advice from a specialist is often recommended.
Once you've secured funding, it's essential to find a care provider that suits your needs. PrimeCarers offers a comprehensive directory of qualified, experienced carers in Somerset. From liv-in care, hourly care, or respite care providers, they have an extensive variety to choose from. You also have the option to find the best home carers in Somerset, ensuring you or your loved ones receive the highest quality care.
The task of funding care can feel overwhelming, but with careful planning, understanding funding options and knowing where to find support, providing the best home care in Somerset is an achievable goal. Visit PrimeCarers to get a richer understanding of home care options and more information on council funding, NHS continuing healthcare, and self-funding for care needs.
James Bowdler
Author
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