Funding Live-in Care in Berkshire

If your loved one requires round-the-clock supervision and care, a live-in care option in Berkshire is a great option to maintain their routine in familiar surroundings, while keeping them comfortable and at ease. However, the costs can be a concern. The good news is, there are several funding sources available for those who need it. Let's explore the main ways to fund live-in care, including council funding, NHS Continuing Healthcare, and private funding, specifying the steps you should take when considering these types of provision.

Live-in Care in Berkshire

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Council Funding for Your Live-in Care

The local Berkshire authority recognises the value of living at home for as long as possible and therefore provides financial aid to those who need it but cannot afford it. This form of funding stems from a social care assessment carried out by the local authority. To start the funding process, you will need to contact the local council directly or visit their website for more information West Berkshire local authority's website.

When you apply, the local authority will undertake a care needs assessment to determine the level of support you require. If they find that you qualify for help, they will next carry out a financial assessment – also known as a 'means test.' This determines how much you can afford to contribute towards your care.

If the total value of your assets (including property) is over £23,250, you will typically be expected to fund your care independently. If it's below this threshold, you may be eligible for funding assistance.

Furthermore, if you have a regular need for care and possess less than £14,250 in capital, you won't be expected to contribute from your capital towards the cost of care, but your income will be assessed.

The local councils can directly pay the care provider, or they can provide the funds to you, or the person you're caring for, as a direct payment, allowing you more independence in deciding on your care provider.

Remember, finding the right live-in care in Berkshire is critical to enhancing quality of life, which is why it is worthwhile exploring all the options, including entirely funded or part-funded care by the local authority.

NHS Continuing Healthcare

NHS Continuing Healthcare (CHC) is a free package of care provided by the NHS for individuals who have complex, ongoing health needs. This package includes live-in care if deemed necessary by a team of healthcare professionals. In Berkshire, the Buckinghamshire, Oxfordshire and Berkshire West Integrated Commissioning Board controls the CHC BOB ICB.

Getting started with applying for NHS Continuing Healthcare funding involves undergoing a checklist assessment carried out by a nurse, doctor, or social worker. If you pass this initial screening, you will be asked to undertake a full assessment.

This full assessment is carried out by a multidisciplinary team (MDT), including two health or care professionals who are familiar with your care needs, and a coordinator. The MDT uses a tool known as the Decision Support Tool (DST) to assess your eligibility, focusing on 12 different care domains, which include aspects of health such as behaviour, mobility, and cognition.

If you are deemed eligible, the NHS will fund the entirety of your care costs, including accommodation, if that is part of your assessed needs, not considering your financial circumstances.

The NHS' offering of complete funding makes it an excellent option for those who qualify. Be sure to familiarise yourself with the process and understand the requirements to access these services for free. You can read our Complete Guide to NHS Continuing Healthcare for a full understanding of this care option.

Private Funding for Live-in Care

When it comes to private funding, this typically involves funding care entirely out of pocket. The means test conducted by the Local Authority will determine whether you fall into this category. If you’ve got savings or assets above the £23,250 threshold, you are expected to self-fund your care.

Private live-in care costs in Berkshire vary depending on the agency and the level of care required. You may also need to consider additional fees such as meals and mileage costs. It helps to research available options, compare costs, and select the best live-in carer that meets your budget and needs. Visit our guide on Cost of Live-in Care in Berkshire to help you assess.

Although self-funding might seem intimidating, there are advantages to it. You will have greater flexibility and choice over your care providers. It also enables you to decide the type of care you want without going through an often lengthy council approval process.

Conclusion

Navigating the care system can be daunting. This article outlines the three main funding sources for live-in care in Berkshire – Council funding, NHS Continuing Healthcare, and Private funding.

Whether you are seeking part-funded options from the local Berkshire authority, applying for an NHS Continuing Healthcare package, or entirely self-funding your care, remember that the main goal is to enhance your quality of life or that of your loved ones. Visit Find Live-in Care in Berkshire for more information, ensuring you get the best care services suiting your individual needs.

Looking after a loved one who needs constant care can be challenging, but knowing all the support options available, including financial ones, can ease the burden and provide peace of mind.