Funding Live-in Care in Kingston upon Hull

When considering live-in care for a loved one in Kingston upon Hull, determining how best to fund the care required is a significant part of the decision-making process. There are several primary funding sources available, which we will explore in this article. These sources include council funding, NHS continuing care and private funding, and their application depends on the personal circumstances of the individual in need of care.

Live-in Care in Kingston upon Hull

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Council Funding

Those looking for funding sources will find that council funding is a possible option. In Kingston Upon Hull, the local authority may offer financial assistance, depending on whether the individual's circumstances qualify for aid under their financial assessment procedure. You can read more about the financial assessments at the official Kingston upon Hull website.

To qualify for council funding, one must undergo a care needs assessment, which determines the type and level of care necessary. Criteria for qualifying for council funding usually include that the individual has less than £23,250 in savings or if they own their own home.

The process to get council funding starts by arranging a care needs assessment with the adult social services at your local council. This is followed by a financial assessment (or means test) that will determine how much the individual will have to contribute towards their care.

NHS Continuing Healthcare

Another source of live-in care funding is the national health service (NHS) through NHS Continuing Healthcare (CHC). NHS CHC is a package of care for people who have significant ongoing healthcare needs. It is organized and funded by the NHS, and it is free of charge to the person receiving the care.

Kingston Upon Hull is part of the Humber, Coast and Vale integrated commissioning board, which replaced the previous Clinical Commissioning Groups (CCGs). The board can provide further details on NHS continuing healthcare. You can find more information on their official website.

Unlike council funding, qualifying for NHS CHC is not based on a person's wealth or ability to pay for care; it is strictly based on healthcare needs. Therefore, to start the CHC funding process, one must go through a CHC assessment, which looks at the nature, complexity, intensity, and unpredictability of the person's needs.

In case the individual is eligible, the NHS will pay for their complete package of healthcare, including the services from any health professional, equipment, personal care, accommodation, if this is part of the overall care package, and live-in care services.

Private Funding

Private funding, or self-funding, is the third primary funding source for live-in care. This option requires the individual in need of care or their family to pay for care services directly. For persons with significant savings or assets, this option may offer the most flexibility, as it allows them to choose from a broader range of services.

In this funding model, it is crucial to carefully plan the individual's care budget to ensure long-term sustainability. It is advisable to seek professional financial advice to weigh all available options and to navigate the complexities of financial planning. For a complete guide to self-funding care, our specific article on self-funding may be beneficial.

Choosing Quality Care

Once funding is in place, choosing the best live-in carer for your loved one is crucial. Here, the focus lies on finding a carer that specializes in the type of care needed. Discovering quality carers in Kingston upon Hull is simpler with resources such as our guide on the available best live-in carers in the area.

Summary

Establishing a live-in care plan for a loved one can seem challenging, particularly considering the financial implications. However, there are several options available to fund this care. Considering council funding, NHS continuing care, or private funding can provide substantial financing support, provided the individual qualifies. We hope this article has clarified these funding sources and made the journey towards acquiring live-in care a little less daunting.