Funding Live-in Care in Redcar and Cleveland

If you’re seeking to organise live-in care for a loved one in Redcar and Cleveland, navigating the paths to funding can be a complicated process.

Live-in Care in Redcar and Cleveland

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This guide unravels the process, explaining the details about various funding sources like council funding, NHS continuing healthcare funding, and self-funding. We’ve addressed each of these methods comprehensively, explaining how they work and taking you through the initial steps you need to engage with these funding sources.

Understanding Live-in Care

Live-in care involves hiring a professional caregiver to provide care for an individual in their own home. This means the caregiver will live in the person's home, providing round-the-clock support, managing medication schedules, preparing meals, and helping with housekeeping duties. For more about live-in care in Redcar and Cleveland, visit this link.

Once you've decided that live-in care is the best course of action, it's important to understand how to fund it. It’s essential to assemble the finances required and understand the resources available for the people who require this provision.

Council Funding for Live-In Care in Redcar and Cleveland

If you're unable to fully fund live-in care independently, you may be eligible to receive council funding towards it. The Redcar and Cleveland local authority can provide such funding. Visit this link for more details.

How Council Funding Works

Council funding for care is provided through local authorities and is means-tested. This means that both your financial situation and your care needs are assessed before the local authority decides how much funding to allocate to you. The local authority typically covers the cost of appointments, treatments, personal care, and certain aspects of home life such as meal preparation and housework.

First Steps to Council Funding

The first step in acquiring council funding is to request a care assessment from your local authority. This assessment will determine the level of care required and whether you're eligible for funding. The local authority will look into your savings, income, and assets to decide if you meet the financial criteria. If you do, they will then create a care and support plan, outlining the services they will provide and how much they will contribute towards costs.

Complete guidance about local authority funding can be found here.

NHS Continuing Care for Live-in Care

Another funding option you might be entitled to is NHS Continuing Healthcare. This is a package of care that’s entirely funded by the NHS for people with severe, ongoing health conditions.

How NHS Continuing Care Works

NHS Continuing Healthcare is not means-tested. It’s based completely on your health care needs. However, it’s worth noting that the eligibility criteria are rather strict with only those that have a 'primary health need' qualifying for it.

First Steps to NHS Continuing Care

The first step towards NHS Continuing Healthcare is to have a healthcare professional complete a screening process using a 'Checklist Tool'. If this indicates you may be eligible, a full assessment of your needs is carried out by a multidisciplinary team. If agreed, the package of care you receive will be managed and funded by NHS.

Redcar and Cleveland are part of the Durham, Darlington, Teesside, Hambleton, Richmondshire, and Whitby integrated commissioning board. Further details on NHS continuing healthcare can be found at this link.

Also, for a detailed guide to NHS continuing healthcare, follow this link.

Self-Funding Live-In Care

If you're not eligible for council or NHS funding, you can opt to privately fund your care. While this can be a daunting prospect, there are several ways you can go about this.

How Self Funding Works

Private funding or self-funding means that you meet the full costs of your care and support. Many people often use private savings, pensions, or the proceeds from a property sale to fund their care.

First Steps to Self-Funding

If you're funding your care privately, the first step is to get a clear idea of the costs involved. This would include costs for not just medical care, but also for personal care and other expenses like food, utilities etc.

To find out the costs of live-in care in Redcar and Cleveland, refer to this link. Also, expert financial advice may be beneficial in managing your finances to cater for live-in care.

Additionally, a comprehensive guide on self-funding care can be found here.

Conclusion

Finding the right pathway to funding live-in care can initially seem complex, but with robust information and a clear plan of action, it can be much simpler. Besides, finding appropriate care for your loved one is not just about finding the best medical care possible, but also about securing a comfortable, respectful, and fulfilling quality of life for them.

Ultimately, while navigating the options for funding live-in care, it's critical to know that support is available to help you meet the costs. Whether it's through the council, the NHS, or through private funding, knowing your options and understanding how to access them is essential.

Remember - you're not on this journey alone. There are resources, professional carers, and experts available to help you make the best choice for your loved ones. For information on the best live-in carers in Redcar and Cleveland, you can go here.