Funding Live-in Care in Rutland

Choosing live-in care for your loved one can feel overwhelming, but navigating ways to fund it can often be the most challenging aspect. In this guide, we aim to demystify the different sources of funding available for live-in care in Rutland, helping you make the most informed choices. This article covers council funding, NHS continuing healthcare and private funding, providing detailed information on how each funding type works and the initial steps you should take.

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Council Funding

The local authority in Rutland may provide funding to cover live-in care costs in specific situations. According to their website [^1^], council funding comes with specific criteria centred around an individual’s capital and the level of care they require.

How Council Funding Works

Eligibility for council funding is determined by conducting a financial assessment and a care needs assessment. If a person's capital (including savings & property) is below £23,250, and their care needs assessment is approved, they may qualify for financial aid.

The financial contribution you'll have to make depends on your income and savings. For example, the council would expect you to contribute all your income, excluding a small allowance for your personal expenses.

First Steps to Securing Council Funding

The initial step in securing council funding is to apply for a care needs assessment through the Rutland local authority. This assessment will determine whether the individual requires care and their level of need. If the individual is found to need care, the council will then carry out a financial assessment.

NHS Continuing Healthcare

The NHS Continuing Healthcare is a free package of care provided to some individuals with significant and ongoing health conditions. More information on this funding can be found on Leicester, Leicestershire and Rutland Integrated Commissioning Board's website.

How NHS Continuing Healthcare Funding Works

This funding is not dependent on a financial assessment as it is solely based on an individual’s health needs, which are determined by a thorough assessment process. This includes an initial checklist assessment used to determine if a full assessment for NHS Continuing Healthcare is required.

The final decision on eligibility is made by a local NHS team known as a Clinical Commissioning Group (CCG). If eligible, the NHS will pay for healthcare (like hospital treatment) and social care (like personal care and help at home).

First Steps to Securing NHS Continuing Healthcare Funding

The process begins with a referral by a health or social care professional who knows about the individual’s health condition. The person undergoing the assessment, their family, or representative are fully involved in this process.

Private Funding

In instances where government funding is unavailable, individuals and their families may have to privately fund live-in care.

How Private Funding Works

Private funding means that the individual or their family is responsible for covering the cost of care. Care costs can vary, and you may want to consider consulting with a financial advisor who specialises in care funding. A detailed guide on self-funding care can be found here. It is also worth noting how the cost of live-in care is in Rutland specifically.

First Steps to Private Funding

If you are considering private funding, the first step is to identify the level and type of care required. You must then research and contact care providers, discuss your care needs, and negotiate costs.

Conclusion

To sum up, funding for live-in care in Rutland can come from different sources, each with their criteria and processes. You must explore all these options to make the most informed decision.

Remember that this process can be overwhelming and challenging, but many resources can help with live-in care in Rutland, including pointing you to the best live-in carers. You don't have to do this alone.

Remember, it's always okay to ask for help when navigating the world of care funding. We at Prime Carers are here to support and guide you through the process, ensuring the best possible care for your loved one.