Looking at the Cost
How do I pay for a nursing home?
There are really two options to consider here – the first is the Fair Deal Scheme and the second is to pay privately.
Fair Deal Information
What is the Fair Deal Scheme?
The Nursing Homes Support Scheme, more commonly known as the Fair Deal Scheme, is a scheme of financial support for people who need long term nursing home care. You can apply for financial support to help pay for the cost of care in a nursing home through this scheme. You need to be approved for Fair Deal by the HSE before you can receive funding towards the cost of a nursing home. Under the scheme, you will make a contribution towards the cost of your care and the State will pay the balance. This applies whether the nursing home is public, private or voluntary.
How do I apply for the Fair Deal Scheme?
The HSE administers the Fair Deal Scheme and you must make an application to your local Nursing Home Support Office on the standard application form. There are two and an optional third step in the process – a Care Needs assessment, a Financial Assessment (State Support) and the optional Home Loan Assessment (Ancillary State Support).
Where can I get more information on the Fair Deal Scheme?
For more details on the Fair Deal Scheme, including the contact details for your Local Fair Deal Support Office, please visit www2.hse.ie/services/fair-deal-scheme
Can I go into a home before my funding comes through?
You can choose to pay privately for care whilst you wait for funding. Fair Deal funding cannot be backdated and will only be paid from the date of approval.
Can I claim tax relief if I am paying privately?
Yes income tax relief is available to residents or their families at their top rate of tax subject to conditions, please visit www.revenue.ie
for more information and up to date relief.
Who can claim the tax relief?
The tax relief is available to the bill payer and this can be more than one person subjects to the conditions set out by the Revenue, please visit www.revenue.ie
for more information and to assess your eligibility.
Choosing the Right Home
Moving to a Care Home can significantly improve the quality of life for residents. It can provide comfort to families and friends knowing that their loved one is being well cared for.
At Curam Care Homes, we fully understand that making the decision to move into a Care Home is an important decision and can be difficult for all involved. Whilst your instinct may be to avoid talking about moving from the family home or moving your relative from their family home, many times, it is better to have had some conversations about this topic before it becomes an emergency. There is so much information to wade through during what can be an emotional time.
To assist you in making the decision on what home is right for you or your relative, we set out below four simple steps which should help the process:
- What homes are in the area and community? From this list, speak to your GP, colleagues or friends who have had experience with care homes and who you trust. Try to narrow down the list to a maximum of three homes.
- Contact the homes to arrange a viewing and a meeting with the Director or Assistant Director of Nursing. During your viewing, you will get a good sense of the home and the atmosphere there. If you get an opportunity to speak to staff during your visit, this will help to form your impression. Bring a partner, sibling, child or close friend with you on the visit so you can discuss fully afterwards as we all hear and see things differently.
- Try, during your visit, to understand what a typical day looks like in the home. Do you feel this would meet you or your relatives needs? If you have specific concerns or challenges – use your visit as an opportunity to address these and understand if the home can cater for these needs and how?
- Ask yourself – can I see myself living here or can I see my relative living here?
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