Funding Live-in Care in Cornwall

Arranging live-in care can often spark numerous questions, one of the most common being ‘how will I fund the care I need?’. Understanding the various funding options available in Cornwall for live-in care can be a confusing path to course. In this article, we aim to simplify this process for you to understand the different options at your disposal and then, hopefully, enable you to make informed decisions to get the care you need.

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Understanding What Live-in Care Entails

Fundamentally, live-in care refers to a care worker who lives in your home and provides care and support around the clock, as per your needs. This arrangement has grown in popularity in recent years, as it allows individuals to maintain a degree of independence within the comfort of their own homes. You can find out more about valuable information on Live-in Care in Cornwall on our dedicated site.

Council Funding for Live-in Care

Council funding, also known as Local Authority funding, is the primary source of support for many individuals requiring live-in care. The Cornwall Council assesses the individual's social care needs and financial circumstances to determine their eligibility, on a case-by-case basis. Here's how it works:

1. Assessment of Need: Initially, the council conducts a ‘needs assessment’. It reviews the individual's day-to-day living abilities, ensuring a fair assessment of their care needs.

2. Financial Assessment: Following this, the council executes a ‘financial assessment’. This involves reviewing the individual’s income, savings and other assets. The financial assessment helps to ascertain whether the person can afford to contribute towards their care cost or not.

3. Personal Budget: Based on these assessments, the local authority determines the personal budget for the individual, which outlines the cost of meeting their needs.

For those living in and around Cornwall, the first step towards securing this funding would be to contact the Cornwall Council’s Adult Social Care department. There’s our comprehensive Guide to Local Authority Funding to help you get started.

NHS Continuing Healthcare for Live-In Care

NHS Continuing Healthcare is another feasible source of funding for live-in care in Cornwall. It is a package of care arranged and funded by the NHS for individuals not in hospital but have complex healthcare needs. Being a national service, the eligibility criteria and assessment process is universal across England.

The NHS Continuing Healthcare covers the cost of healthcare and personal care, including live-in care, homecare, and care in a care home. However, to qualify for NHS Continuing Healthcare, your primary need must be a 'health need', i.e., you must have a complex medical condition with significant healthcare needs.

Based on the assessment, if you are determined to have a 'primary health need', you will qualify for NHS Continuing Healthcare, and all your care costs will be covered by the NHS. For residents in Cornwall, the process is managed by the Cornwall and the Isles of Scilly Integrated Commissioning Board. Further details about the criteria and the assessment process depend on a relative's ability to learn, communicate, breathe etc. Available here. For an in-depth understanding, you can explore the Guide to NHS Continuing Healthcare.

Private Funding for Live-in Care

There are instances where individuals may not be eligible for Council or NHS funding or perhaps prefer to assume control over their care provisions. In such circumstances, self-funding opens up a new avenue in sourcing financing for live-in care.

When adopting a self-funding approach, the individual absorbs the total cost of care (including the Cost of Live-in Care in Cornwall), affording them maximum choice and flexibility. It is essential that individuals seeking to fund their care privately seek the counsel of an independent financial advisor specialising in long-term care, to explore the most effective way to fund the provision of care they require.

For a complete summary of financing care through private means, feel free to peruse through our Guide to Self-Funding Care.

Summing Up

Funding live-in care can initially appear daunting, but with the right information and guidance, it doesn't have to be an insurmountable task. By exploring the options: Local Authority funding, NHS Continuing Healthcare or private funding, you can make choices that best suit your specific circumstances.

Remember that the assistance you need is out there, be it with accessing the Best Live-in Carers in Cornwall or finding the most convenient way of financing the care you deserve. One might also explore the Complete Guide to Live-in Care for a holistic understanding.

Living in the comfortable and familiar surroundings of your own home while having your care needs met is not just a distant dream; it can indeed be your reality. With the right funds and proper care professionals, accomplishing this is firmly within your reach.