Funding Live-in Care in Cumbria

When it comes to supporting those who need live-in care in Cumbria, understanding the financial dimensions can be a complex challenge. Care is expensive, and knowing where to source that funding can make all the difference in providing quality live-in care to someone in need. This article serves as a complete guide to help remove these roadblocks and clarify the key funding sources for live-in care in Cumbria. The primary three types of care funding we will focus on are council funding, NHS continuing care, and private funding.

Live-in Care in Cumbria

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Understanding the Cost of Live-in Care in Cumbria

Live-in care costs can vary widely and are dependent on many factors, most importantly the level and type of care needed. For comprehensive data on the cost of live-in care in Cumbria, please reference this resource.

Upon understanding the estimated cost, it's essential to consider your funding options.

Utilising Council Funding

The Cumbria local authority provides certain funding options for those who need care. You should always first approach Cumbria's council for a care needs assessment.

How Council Funding Works

The funding provided by the council depends on the individual's financial circumstance and care needs. The council will review the income, savings, and assets of the person requiring care. If the individual's assets total less than £23,250, they may be eligible for financial support from the council.

Steps to Accessing Council Funding

Applying for council funding starts with getting a care needs assessment. This assessment will identify what level and type of care is required. Following this, a financial assessment (means test) will be undertaken to determine how much, if any, financial aid you can receive from the council for live-in care.

For more information and to initiate this process, visit Cumbria's Council's website.

Securing NHS Continuing Healthcare

NHS continuing healthcare is a funding option for those with long-term complex health needs.

How NHS Continuing Healthcare Works

This government-funded healthcare service is free of charge to people who have 'primary health needs' - serious health conditions that require substantial and ongoing care.

Steps to Accessing NHS Continuing Healthcare

To secure NHS continuing healthcare, an assessment by a healthcare professional is required. The assessment will review the individual's care needs based on nature, intensity, complexity, and unpredictability.

If a person is declared eligible, they can receive free live-in care - fully funded by NHS continuing healthcare. Remember, it's ICBs (Integrated Commissioning Boards) that will assess a patient's need for ongoing care as CCGs no longer exist.

For more information, visit North & East Cumbria Integrated Commissioning Board's website. For an in-depth read about the NHS continuing healthcare, refer to the comprehensive guide.

Private Funding for Live-in Care

If council funding and NHS continuing care do not cover the costs, or if the individual in question is not eligible for these kinds of supports, you can consider private funding.

How Private Funding Works

Private funding comes from personal finances. This could include savings, pensions, income from properties, and other assets. It's also an option to consider a 'care fees annuity'. An annuity involves paying a lump sum to an insurance company in return for an ongoing guaranteed income to help cover care costs.

Steps to Utilise Private Funding

Under private funding, you need to plan your finances meticulously to meet the care costs. Consulting a financial advisor who specialises in care funding could be beneficial. For a detailed approach to self-funding care, refer to this guide.

Finding the Right Live-in Care in Cumbria

Once the funding has been worked out, the next challenge is to find the right live-in care. This process involves matching the care needs with a carer who has the relevant skills and personality. Finding live-in care in Cumbria can be made easier with platforms like PrimeCarers. It also offers resources to help find the best live-in carers in Cumbria.

Conclusion

Though it might seem challenging to wade through the funding options and decisions surrounding live-in care, understanding these specific areas: council funding, NHS continuing care, and private funding can provide a solid base for your decision making.

Whether you require help from the local council funding, NHS support, or intend to fund privately, optimal care solutions exist for everyone. Our guides can aid you along this journey, and remember - you're not alone in this. Seek advice, talk to professionals and explore platforms such as Prime Carers to make the best choice for live-in care in Cumbria.