Funding Live-in Care in Portsmouth

There comes a point in most people's lives when they need extra care and support. This is especially true for the elderly and those with long-term health conditions. A popular choice in such cases is live-in care. However, understanding how to fund live-in care can be quite challenging, particularly when the individual in need lives in a specific area such as Portsmouth. This article will aim to demystify the process and guide you on the path to securing funding for live-in care in Portsmouth.

But first, it's important to note that live-in care, whilst perhaps costlier than some forms of care at first glance, can offer enormous benefits to individuals and their loved ones.

Live-in Care in Portsmouth

Read Now

What is Live-In Care?

Before diving into the intricacies of funding live-in care, let's take a moment to understand it. Live-in care is when a professional carer lives with the person needing care in their home, providing 24/7 care and support.

Council Funding

One of the primary sources of funding for live-in care is Council Funding. In Portsmouth, this is provided by the local authority. When you apply for this, a care needs assessment is conducted to determine the extent of your requirements.

Your financial circumstances are considered in a means test, which takes into account income, savings, and property. You can find more information about how this process operates via the Portsmouth local authority website.

If you're eligible, you may receive direct payments, which you can use to pay for your chosen care provider. Having control over these payments can help you select the right care that suits your unique needs.

NHS Continuing Care

If you have health needs that are ongoing, complex, and serious, you might qualify for NHS Continuing Healthcare, commonly referred to as NHS CHC. This is a package of care that's funded solely by the NHS.

Assessments for NHS CHC are carried out by trained health or social care professionals. It's important to note that care packages are not based on conditions or diseases but on the level of need.

In Portsmouth, patients' needs for ongoing care are assessed by Integrated Commissioning Boards (ICBs), a result of Clinical Commissioning Groups (CCGs) being replaced. You can find further details on NHS continuing healthcare via the Hampshire and the Isle of Wight integrated commissioning board website.

Private Funding

If you do not qualify for council or NHS CHC funding, or if you prefer not to rely on these channels, private funding might be an option for you. This involves funding care from private resources, such as savings, pensions, or the selling of assets.

While it might seem daunting, self-funding offers significant flexibility and freedom of choice. For a comprehensive understanding of self-funding for care, our Complete Guide to Self-Funding Care provides an in-depth look.

Cost of Live-In Care in Portsmouth

The cost of live-in care can vary based on a variety of factors including location, severity of care needs, and the agency or carer you choose to provide the care.

In Portsmouth, costs may vary, but it is crucial to get a complete understanding before deciding on the most suitable care option for you. For the specifics of what live-in care might cost in your area, you can refer to our guide on the Cost of Live-in Care in Portsmouth.

Finding the Best Live-in Carers in Portsmouth

While figuring out how you will fund care, it's also crucial to consider the quality of care you can access. Having the best possible care can make a world of difference to the person in need. Be sure to check our dedicated listing of the best live-in carers in Portsmouth for qualified and caring professionals who can provide high-quality care.

In Conclusion

Planning for live-in care may seem daunting, but with careful research and the right support, you can navigate this path. Whether you're eligible for council funding, qualify for NHS Continuing Healthcare, or opt for private funding, there are avenues available to you. Further, the availability of high-quality care within Portsmouth means peace of mind for you and the ones you care about.

Always bear in mind that each individual's circumstances are unique, and what works for one may not work for another. So, take the time to explore your options and make the decision that suits you best.

Remember, while the cost is an important consideration, the most vital thing is receiving the right level of care and support, which contributes to the best quality of life possible. Our Complete Guide to Live-in Care may be helpful as you navigate this significant decision. Live-in care isn't just about providing help - it's about enabling individuals to live a fulfilling life in the comfort of their own home.