Funding Live-in Care in Kensington and Chelsea

If you or a loved one require live-in care in Kensington and Chelsea, there are several ways to fund their personal care. Properly understanding the funding available to you is crucial in ensuring your loved ones get the care they require without putting undue financial stress on you or them. In this article, we break down the primary sources of funding for home care.

Live-in Care in Kensington and Chelsea

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Council Funding for Live-in Care

One of the most substantial sources of funding for live-in care is via local authorities. The council can provide financial assistance to those who require care but might have difficulty paying for it themselves. The Kensington and Chelsea local authority have a specific policy in place that outlines whether you can get funding and how much - link here.

If the individual needing care has less than £23,250 in savings (excluding the value of their home), you can apply for council funding.

The first step towards securing council funding is to schedule a Care Needs Assessment with the local authority. The purpose of the Care Needs Assessment is to establish what level of care the individual requires.

If the assessment deems that care is necessary, a financial assessment or "means test" will then be carried out. The financial assessment looks at the individual's capital (savings and assets) and income to decide how much they should contribute to their care.

More details about how to secure council funding can be found in our Complete Guide to Local Authority Funding.

NHS Continuing Healthcare

For those with complex medical conditions that require a lot of health care or long-term care, the NHS Continuing Healthcare (CHC) is an option. The CHC is a funding programme by the NHS that covers people with significant ongoing healthcare needs out of hospital. The package covers the entirety of the care costs, including the care home fees if needed.

First, there is a checklist assessment. If met, it leads to a full assessment performed by a multidisciplinary team of health and social care professionals. The assessment is based on the nature, complexity, intensity, and unpredictability of their needs.

Kensington and Chelsea are part of the North West London Integrated Commissioning Board, and information on NHS continuing healthcare can be found here.

Here's our Complete Guide to NHS Continuing Healthcare to provide more insight on the subject.

Private Funding

If the individual needing care does not qualify for council funding and NHS CHC, or if they would prefer not to use such services, private funding is an option.

In privatised care, the individual or family pays for the care directly. Depending on the amount of care needed, this can get expensive. To support the costs, individuals may consider dipping into savings, renting or selling property, or possibly securing a loan or lifetime mortgage.

It's always a good idea to seek financial advice before deciding on private funding. Discover more about this in our Complete Guide to Self-Funding Care.

When you plan for private funding, understanding the costs involved is crucial. Please read Cost of Live-in Care in Kensington and Chelsea for details.

Finding Care Providers

Another thing to consider once funding is secured is finding the right care provider in Kensington and Chelsea.

At Prime Carers, we can help you find experienced and compassionate live-in carers in the area.

Key Takeaways

In conclusion, funding for live-in care can come from different sources, and understanding these options can help you secure quality care for your loved ones. Do remember that each person's situation is unique — financial resources, health conditions, and care requirements vary from individual to individual. Thus, a funding solution that works for another might not be the best for you. You may want to speak to a financial advisor or a social care expert about your individual circumstances to make the best decision.