Many people presume that receiving a bespoke home care service is beyond their financial means; however, as more information about financing care becomes available in the public domain, home care is becoming an increasingly popular option.
Funding for care can be a confusing subject area, however, by carrying out a little research and utilising resources available to you, your options become clearer and easier to understand.
You may be eligible to receive help with funding your care from the Government. You have the right to request a free care assessment from your local Social Services department; this can include a community care assessment and a means-tested financial assessment to see if you are eligible to receive support with the cost of your care.
If you have been assessed as needing care services, you may be offered direct payments. As part of this arrangement, monetary payments will be made by your local council directly to you so that you are able to organise and pay for your care service. These payments are designed to support you to remain living at home, encouraging independence and social inclusion in areas such as employment, education and leisure activities.
The Government is looking to increase the number of people who receive direct payments, allowing more people access to the benefits that they bring. If you are considered eligible for support with funding, your local council are duty bound to consider direct payments as an option for you, instead of providing services to meet your needs.
Independent Living Fund
Funded by Central Government, the Independent Living Fund supports people with disabilities to live independently in their own homes, rather than in residential care.
Payments are made to people with disabilities so they can afford the employment costs, or associated employment costs, of a personal assistant or care agency to provide the support they need to remain living at home.
There are many things which the fund cannot be used to pay for, to understand what cannot be paid for with the fund; you can read more on the Government website.
Should you not be eligible for public funding, or would simply prefer to fund your care privately, you will need to source your care independently. Faced with so many different options and conflicting information, this can become both a time-consuming and overwhelming task.
If you are looking for support with financial planning, we would recommend that you contact an impartial Financial Advisor specialising in Care Fees. They can discuss options such as:
Supporting you in your home
Whether your care is paid for by private or public funds, we can deliver a high quality homecare service to you, tailored to your individual requirements.
If you would like to receive a quote for our care at home service, based on your individual care needs, please contact our Home Care Team on 01293 270466.