Funding Live-in Care in Oxfordshire

Understanding how to fund live-in care in Oxfordshire can feel overwhelming with the various avenues to consider. This comprehensive guide breaks down the primary sources of funding: local authority funding, NHS continuing healthcare, and private/self funding.

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Council Funding for Live-in Care

Local authority funding, also known as council funding, can significantly help cover the costs of live-in care. The Oxfordshire local authority is committed to helping those who need care but may find the expenses challenging.

You can obtain more information about their services and application process by visiting the Oxfordshire Council website.

How Council Funding Works

Once your care needs are identified, the local authority conducts a financial assessment, commonly called a means test. This exercise evaluates your income and savings to establish how much financial support, if any, you're eligible to receive.

The means test doesn't consider your property's value if you're seeking live-in care rather than a care home. So, it fundamentally considers your income, charities, funds, pensions, and other forms of capital.

Primary Steps

Start by contacting the local council in Oxfordshire to express your necessity for live-in care. You'll then be guided through an initial assessment to determine your care needs—referred to as a needs assessment. On qualifying, you'll receive a financial or means test to outline your economic capacity for funding in-home care.

NHS Continuing Healthcare

With NHS continuing healthcare, the NHS funds your entire healthcare cost, whether at home, in a hospice, or a care home. For those identified with "primary health need," this scheme can significantly reduce financial worries.

For more information on NHS continuing healthcare, you can check the Buckinghamshire, Oxfordshire, and Berkshire West integrated commissioning board's website.

How NHS Continuing Healthcare Works

To qualify for NHS continuing healthcare, you must reveal a "primary health need." This requirement means that your main need for care relates to your health. The assessment includes considering the nature, complexity, intensity, and unpredictability of your needs.

Primary Steps

To begin the process for eligibility, approach your GP, nurse, social worker, or other healthcare professional for an initial screening using the NHS' Checklist tool. If you meet the criteria, you'll undergo a full assessment conducted by a multidisciplinary team of healthcare or social service professionals.

Private (Self) Funding Your Live-in Care

Private or self-funding comes into play when you're ineligible for council funding or NHS continuing healthcare, or you'd rather not rely solely on government aid. The cost of live-in care in Oxfordshire can be financed through various self-funding methods.

How Private Funding Works

Private funding for live-in care is precisely what it sounds—meeting the costs of your own care without support from the state or NHS. The funds can come from your savings, pension, income from property or investments, insurance schemes, or financial gifts.

Primary Steps

If you choose to self-fund your live-in care, you should first grasp an understanding of the ongoing costs. Use our complete guide to self-funding care resource. Next, engage a financial adviser experienced in long-term care funding – they can assist with strategies that make it financially feasible.

Wrapping Up

Arranging and funding the right care may appear challenging initially, but countless individuals and families have navigated this path successfully. Use available resources to understand your options, decide on the best live-in carers in Oxfordshire, and underststand how best to move forward.

Remember, every situation is unique. Your eligibility for council funding or NHS continuing healthcare will depend on specific circumstances, while self-funding will hinge on your financial resources and planning.

However, with the right information and support, you can make an informed decision about funding live-in care in Oxfordshire. For further assistance or queries, kindly reach out to us; our dedicated team is always on hand to help make your journey into live-in care as comfortable as possible.