Funding Live-in Care in Lincolnshire

Live-in care is a practical solution for people who require substantial support in their daily lives, yet wish to continue living in the comfort and familiarity of their own homes. The cost of such care can seem prohibitive to many, especially given the unique financial dynamics present in each individual's case. In this article, we delve into the primary routes toward funding live-in care for residents of Lincolnshire: Council funding, NHS continuing care, and private funding.

Live-in Care in Lincolnshire

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Council Funding For Live-in Care

For many, the initial steps towards funding live-in care come through Local Authority Support, specifically, The Lincolnshire County Council. It's worth noting that council funding isn't automatically guaranteed; it's contingent upon the outcome of a Care Needs Assessment, where the level of care and the nature of support needed are comprehensively analysed.

If you're eligible, the Council will conduct a financial assessment to determine your financial contribution, if there's any. This will account for both your income and savings, excluding the value of the property if you or your partner is still living in there.

The Council funding could either be provided through a Direct Payment into your bank account, which you can use to arrange and pay for your own care or managed directly by the council by arranging and paying for care on your behalf.

NHS Continuing Healthcare For Live-in Care

If the primary requirement for care is health-related, another funding avenue is NHS Continuing Healthcare. Everyone has a right to ask for a NHS Continuing Healthcare assessment. This type of funding is not means-tested, and would cover all, or part of, the costs associated with live-in care.

The assessment process comprises two stages: an initial checklist screening, and a full assessment by a team of health and social care professionals. They apply a nationally standardised decision support tool, focusing on nature, complexity, intensity and unpredictability of needs.

If you're eligible, Lincolnshire's Integrated Commissioning Board will arrange your care package. It's imperative to remember that being granted NHS Continuing Healthcare can impact the eligibility of local council funding.

Private Funding For Live-in Care

When public fundings are insufficient, inaccessible or both, private funding becomes a viable alternative. Privately funding live-in care includes savings, pensions, equity release or annuities. The costs vary widely based on individual care requirements and the care provider chosen.

It's beneficial to consult a financial advisor for such decisions, ideally one specialising in adult care. They provide advice tailored to your circumstances, ensuring a comprehensive long-term plan that takes into account evolving care needs and contingent costs.

For a detailed understanding of private funding, consider visiting our Complete Guide to Self-Funding Care.

First Steps to Take

Regardless of the funding pathway, it is pertinent to begin by assessing the level and type of care required. This would involve consultations with healthcare professionals and social care advisors.

If council funding is a consideration, contact The Lincolnshire County Council for a care needs assessment. For NHS Continuing Healthcare, get in touch with the Lincolnshire Integrated Commissioning Board. Should private funding be required, seek the expertise of a financial advisor.

Conclusion

Securing funding for live-in care can be a complex and challenging process. Equipping oneself with appropriate knowledge and seeking advice from professionals can ease these challenges significantly.

Remember, everyone's care journey is unique. While this article paints an overview, it is essential to explore resources such as our Cost of Live-in Care in Lincolnshire and Complete Guide to Live-in Care, tailor-made to your circumstances. Surrounding oneself with the right care can make all the difference, and we believe everyone deserves the best Live-in Carers in Lincolnshire.