Funding Live-in Care in Middlesbrough

Supporting a loved one to move into live-in care is a significant step. It involves making vital decisions about their health and wellbeing, as well as navigating complex funding guidelines. This article aims to shed light on how you can fund live-in care in Middlesbrough, by breaking down the various funding sources available to you, including council funding, NHS continuing care, and private funding.

Live-in Care in Middlesbrough

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1. Understanding Live-in Care Costs

Live-in care provides full-time, in-home support for people who require assistance with everyday tasks, but who want to maintain their independence in their own homes. The costs associated with live-in care can be substantial but don't overlook the comprehensive, personalised care that your loved one will receive. For more specific information about the costs in Middlesbrough, please visit this link.

2. Council Funding for Live-in Care

Under certain circumstances, Middlesbrough's local authority may provide funding support for live-in care. But first, a Care Needs Assessment will be carried out to determine if you or your loved one are eligible for support.

Understanding the Care Needs Assessment

This assessment evaluates an individual's physical health, mental health and social needs to determine the level of care required. If the individual is found eligible for care support, a financial assessment known as a Means Test is then conducted.

The Means Test

During the means test, income, savings, and assets are evaluated to determine whether the individual can afford to pay for their care. More detailed information about the Care Needs Assessment and the Means Test can be found in the complete guide to Local Authority Funding

For more information on council funding for live-in care in Middlesbrough, follow this link

3. NHS Continuing Care

In some cases, the NHS might cover the costs of ongoing care needs through a program called NHS Continuing Healthcare (NHS CHC). It's typically for individuals with serious, complex or intense healthcare needs, rather than social or personal care needs.

Assessing Eligibility for NHS CHC

The eligibility for NHS CHC is strictly based on health needs. A two-stage assessment process is carried out beginning with an initial checklist followed by a more detailed assessment.

Applying for NHS CHC

Applications are usually completed by a health or social care professional, such as a nurse or social worker. The application is then reviewed by the Integrated Commissioning Board who will determine eligibility.

Reviewing Eligibility

Once approved, the individual's eligibility for NHS CHC must be reviewed within three months, then annually thereafter. It's important to understand that approval for NHS CHC doesn't guarantee indefinite funding.

More information about NHS CHC is available in the Complete Guide to NHS Continuing Healthcare and on the Durham, Darlington, Teesside, Hambleton, Richmondshire and Whitby Integrated Commissioning Board's website.

4. Private Funding

In instances where public funding is unavailable, private funding is often the only solution. This can be challenging, but with careful financial planning, it is possible.

Self-funding Live-in Care

Self-funding involves using personal resources, including savings, pensions, investments or income from assets to pay for care. It's advisable to discuss self-funding options with a financial advisor or care funding expert to ensure a feasible financial plan is established. For more details, you can refer to the Complete Guide to Self-Funding Care.

Long-term Care Insurance

Another private funding option is long-term care insurance. This type of insurance policy covers the costs of care if the policyholder develops a chronic illness or becomes unable to perform daily tasks.

Moving Forward

Recognising the need for live-in care is an emotional journey. While funding this care may seem challenging, remember there are several avenues available to you. Understanding the costs, and familiarising yourself with the various funding resources, can go a long way in helping you navigate the system. Most importantly, always engage the services of seasoned care providers. You can find the best live-in carers in Middlesbrough at this link. Your loved one's care is paramount, and it's undoubtedly an investment in their wellbeing.