Funding Live-in Care in Stoke-on-Trent

Live-in care is a preferred form of care for many; it offers a person-centred approach, enabling individuals to live in the comfort of their homes whilst receiving the care they need. However, the financial aspect can sometimes be a hurdle for those looking to invest in such care. This guide will discuss the various ways on how to fund live-in care in Stoke-on-Trent, we will delve into how each type of funding works, and outline the necessary steps you need to take to secure it.

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Understanding the Cost of Live-in Care

Before diving into funding options, it is crucial to understand the cost of live-in care in Stoke-on-Trent. This understanding will help you effectively plan your finance options. The cost can vary depending on the individual's care needs, so it's essential to understand that upfront costs are likely to differ from person to person.

Council Funding

One of the initial funding options to consider is council funding. If you're struggling to meet the costs, then Stoke-on-Trent Local Authority may be able to provide help through their Adult Social Care Portal.

Understanding Council Funding

The local council can provide funding based on an individual's needs and financial circumstance. Having a care needs assessment will determine how much help you can receive from the council.

Applying for Council Funding

Your first step should be to contact Stoke-on-Trent's local authority to arrange a care needs assessment. You can do this by visiting their website via the link above and following the instructions given. This includes a financial assessment to ascertain your financial condition and the extent of your care needs. The level of funding you receive will be directly related to the outcome of these assessments.

NHS Continuing Healthcare

Another option to explore is the NHS Continuing Healthcare. As part of the Staffordshire Integrated Commissioning Board (ICB), Stoke-on-Trent has access to this type of NHS funding.

Understanding NHS Continuing Healthcare

NHS Continuing Healthcare is a package of continuing care provided outside of hospital, arranged and funded entirely by the NHS, for individuals with ongoing healthcare needs. Importantly, eligibility isn't based on specific conditions or illnesses, but on the nature and complexity of the care needs.

Applying for NHS Continuing Healthcare

The first step to applying for NHS Continuing Healthcare in Stoke-on-Trent is to have a comprehensive assessment of your ongoing care needs carried out by a team of healthcare professionals (a multidisciplinary team). Your GP or social worker can refer you for this assessment. For further information on NHS Continuing Healthcare in Staffordshire, you can visit the Staffordshire Integrated Commissioning Board website.

Private Funding

Private funding, or self-funding, is another route many families in Stoke-on-Trent pursue. Private funding provides you with the freedom and flexibility to choose your care service without having to rely on council or NHS funding.

Understanding Private Funding

With private funding, you would pay for care entirely out of pocket. This is usually an option for those with savings, pensions, or alternative assets that they can access. You may also find it advantageous to seek the advice of a financial adviser who specialises in care funding.

Preparing for Private Funding

The primary step here is to assess your current financial situation and how much you can afford to allocate towards live-in care. You may want to consult with a financial adviser who specialises in funding care. They can guide you in making decisions about the options available to you.

Navigating the maze of live-in care funding may seem puzzling at first, but options such as council funding or NHS continuing healthcare, and even private funding, provide various avenues to make it more accessible. Take your time to understand each of these options, review the complete guide to funding care, and seek professional advice where needed.

Remember, arranging for live-in care in Stoke-on-Trent does not have to be a solo journey. Reach out to others for support and advice, be it family, friends, or professionals. The beauty of live-in care is that it allows you to maintain your independence and quality of life, and with the right funding options, you can ensure that this type of care is a sustainable choice for your future.