Funding Live-in Care in Shropshire

When it comes to the topic of live-in care, understanding the options for funding can be the key to ensuring our loved ones receive the best care possible without causing unnecessary financial stress. This article aims to explain different forms of funding available in Shropshire, UK, and how to go about applying for these.

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Council Funding for Live-in Care

Shropshire local authority provides one of the major sources of support for care funding. You can find more detailed information about their services on their website.

To apply, you need to understand how the provision of council care funding works. The local authority carries out a means test, where they look into your financial situation, and your care needs are also assessed. The outcome of these assessments informs how much support you’re eligible for.

Understanding the Means Test

The means test determines if you qualify for full or partial funding. If your capital exceeds £23,350, you may have to pay for your own care. But if your capital is less than £23,350, you may qualify for some support.

Council Care Needs Assessment

Meeting the care needs of residents is paramount to the local council. Consequently, before any financial considerations, the council assesses individuals' care and support requirements to ensure that everyone gets the care they need, respect and dignity.

Visit the Shropshire council site for a step-by-step guide on how to access this funding.

NHS Continuing Care

The National Health Service (NHS) provides funding for continuing healthcare, which covers live-in care needs through Shropshire and Telford and Wrekin integrated commissioning board.

Who is Eligible for NHS Continuing Care

This form of funding is meant for individuals who have significant ongoing healthcare needs. Eligibility is determined by carrying out an assessment to evaluate your care requirements rather than on specific diseases or conditions.

The Assessment Process

Typically, the assessment process has two stages: The initial checklist and the full assessment.

The initial checklist is a screening tool used to decide if you need a full assessment. If the checklist indicates that you may be eligible, you are referred for a full assessment.

The full assessment considers 12 domains, such as mobility, behaviour and medication management. Depending on the outcome, the Integrated Commissioning Board (ICB) then determines if you are eligible for NHS continuing healthcare.

Applying for NHS Continuing Healthcare

To apply for this funding, contact your local Integrated Commissioning Board. They will guide you through the application process and arrange for the assessment to be carried out.

Private Funding For Live-in Care

For individuals who might not qualify for council funding or NHS continuing healthcare, do not despair. There's a further possibility of arranging for private funding for live-in care. Self-funding allows you greater flexibility and choice when selecting caregivers and the type of care received.

Understanding Self-Funding

Self-funding is exactly what it sounds like - paying for your care privately. When using private funding, it's essential to consider the cost of live-in care closely and to plan for the long-term to ensure sustainability.

How to Approach Self-Funding

When planning to self-fund, it might be worth considering professional financial advice to help you understand how best to fund your care. While every situation is unique, experts can provide useful guidance and options on assets management, investment income, and potential eligibility for state benefits or tax exemptions.

For a more extensive guide on the topic, you can visit the Complete Guide to Self-Funding Care.

Conclusion

Figuring out how to fund live-in care in Shropshire doesn't have to be overwhelming. Whether you're eligible for council funding, NHS continuing care or need to arrange for private funding, there are resources available to help navigate this path.

Visit Prime Carers to explore detailed guides and read more about the available options for live-in care in Shropshire. Our mission is to ensure that care is a choice and not a trouble, and we believe that everyone deserves to understand their options fully and find the best possible carers in the region.