Funding Live-in Care in Bromley

Funding live-in care in Bromley can often seem a daunting and overwhelming task, but with the right guidance and sufficient knowledge, it can be achieved painlessly and effectively. This piece aims to shed light on the principal sources for financing home care, namely council funding, NHS Continuing Care and private funding.

Live-in Care in Bromley

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Underpinning Your Funding Options

Each source of funding has its own eligibility criteria, process, and considerations. Understanding these can enable you to make the best use of available resources and ease the process of financing your care.

Council Funding

Bromley local authority provides significant financial assistance for home care, subject to certain conditions. To qualify for this funding, the needs for care should be high, and there is an income and savings cap in place.

Council Funding: How It Works

Once a needs assessment is done, the council will undertake a means test to assess an individual's financial capacity. This test considers both your income and your capital (any property you own, savings or investments). If your capital is above £23,250, you would generally be expected to pay for your care, although certain exceptions apply. For more details, visit the Bromley local authority website.

Once the means testing is completed, the council would make a personal budget towards your needs which can be spent in various ways - be it employing a personal care assistant or approaching a care provider agency.

First Steps To Take

The first step to council funding is to get a Care Needs Assessment, which identifies both your necessity for care and the level of care you require. You can request this directly through Bromley local authority.

NHS Continuing Care

The National Health Service’s Continuing Healthcare (CHC) is a care package solely for individuals with significant, complex health needs. It is arranged and financed by the NHS and covers the entire cost of care, including personal care and healthcare.

NHS Continuing Care: How It Works

If you qualify for the programme, the NHS pays for your care in full, irrespective of your financial situation. The CHC is not means-tested, and it covers both the medical and social aspects of care.

The eligibility for NHS Continuing Healthcare is based on an individual's ‘primary health need’, i.e., their need for care must be primarily health-related. The NHS uses a comprehensive decision-making tool for assessing whether someone need is a 'primary health need'. For more information, visit the South East London integrated commissioning board.

First Steps To Take

The initial step in securing NHS Continuing Care is to request a CHC Checklist Assessment from the GP, social worker or other healthcare professional. This screening tool helps to determine whether you should proceed to the next stage - a full CHC Assessment.

Private Funding

Privately funding your care can offer flexibility and control, particularly when it comes to choosing your care providers and care plans. However, self-funding care will require careful management of personal finances and possibly involve taking significant financial decisions.

Private Funding: How It Works

Private funding, also known as self-funding, relies on an individual's personal finances - whether that's savings, income, or the sale of assets. The cost of care can vary depending on the level of care necessary and the care provider. You can refer to the Cost of Live-in Care in Bromley to get a sense of costs involved.

First Steps to Take

Getting advice from a financial advisor specialising in long-term care financing is a good first step when considering private funding. They can guide you through the process and help you make informed decisions. You can also consider various different care providers and explore their care plans through Find Live-in Care in Bromley.

Conclusion

Providing you with the much-needed long-term care comfort, live-in care is a reasonable and viable alternative to moving into a care home. Paying for it may seem daunting, but when you understand the various funding options available and take one step at a time, it becomes manageable.

Whether it's council funding, NHS continuing care or private funding, each source of funding offers unique benefits. Remember, the choice of funding source should suit your needs, preferences and financial capacity. Make sure to read our Complete Guide to Live-in Care,Complete Guide to NHS Continuing Healthcare, Complete Guide to Local Authority Funding, and Complete Guide to Self-Funding Care to get a detailed understanding of each.

Care is an integral part of our lives, and while it can be a difficult path, remember that you're not alone. There are always resources available to help you, and with a little effort, understanding, and kindness, we can provide the best care for those who require it.