Funding Live-in Care in Brighton and Hove

Making the decision to move into live-in care can be a daunting one, not just emotionally but financially too. However, rest assured, if you are considering live-in care in Brighton and Hove, you are not alone. Many individuals and families often find themselves in the same situation and are left wondering, "how will I fund my care?"

Through this article, we aim to guide you through the primary sources of funding for home care, including council funding, NHS continuing healthcare and private funding. Additionally, we will provide the details on how each type of funding works, and what administrative first steps to take.

First, let's understand the options at our disposal.

Live-in Care in Brighton and Hove

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Brighton and Hove Council Funding

Brighton and Hove local authority may be able to provide financial support towards your live-in care. The local council prioritises individuals with eligible care needs and low income or savings.

To access council funding, you'll first need a care assessment from the local authority. They will evaluate your needs and financial circumstances to determine if you're eligible for help with costs. After which you can start the means test, an income assessment, that determines how much you pay towards your care. The council then contributes the rest.

For more information and to get the process started, visit the Brighton and Hove Council's official website.

NHS Continuing Healthcare

Don’t assume that all live-in care has to be privately funded, there is another key player – the NHS. Continuing Healthcare (CHC) through the NHS is a package of care provided outside of hospital. It’s arranged and funded solely by the NHS for individuals with substantial and ongoing healthcare needs.

Eligibility is not based on conditions or diseases but on the complex nature and level of care needs. The process of applying for CHC funding is through an assessment carried out by a "multidisciplinary team", a group of two or more health or social care professionals who will look at your health and social care needs.

It is worth noting, though, that the process can be a lengthy one and securing support can sometimes be difficult. However, if successful, it can cover the full cost of live-in care.

More information about NHS continuing healthcare can be found on the Sussex and East Surrey Integrated Commissioning Board's website.

Private Funding

For those who do not meet the requirements for the funding options mentioned above, self-funding private care might be the route to go.

These costs vary based on individual needs, but on average, live-in care in Brighton and Hove can be quite significant. Prior to diving headfirst into this commitment, it's recommended to explore the cost of live-in care in Brighton and Hove to develop a better sense of expected budget.

Avoid overlooking assessing your house's worth, savings, investments, pensions and income, as they can help in funding your live-in care needs. Make sure also to speak to a reputable financial advisor about your situation to help establish the most viable financial plan for you.

Prime Carers has composed an educational resource – a complete guide to self-funding care – which is sure to prove useful in making well-informed decisions about privately funding live-in care.

Making your choice

The funding of live-in care is not a one-size-fits-all matter. Everyone's care needs and financial circumstances are different, and we hope our guide has provided a clearer picture of the options available and how they work.

From council financing and the NHS continuing healthcare to self-funding, Brighton and Hove presents various financial assistance resources and professionals who can help make this journey less overwhelming. Keep in mind that the type of funding doesn't dictate the quality of care.

The most important part of live-in care is finding a carer who matches your personality and meets your needs, and here Prime Carers can help. Visit Prime Carers to find a selection of the best live-in carers in Brighton and Hove.

Far from being an easy process to navigate, the financing of live-in care can be as complex as the care needs themselves. So, please remember you are not alone in this. Help and advice are available, so don't hesitate to seek it out. It is a brave and thoughtful step you are taking, at the end of which lays ease, comfort, and adequate care.