Helping you through the Care Maze
The Right Care Starts with the Right Advice
HOW CAN WE HELP?
WHAT PEOPLE SAY
MOVING INTO A CARE HOME
Daniel had been told by the Hospital that his Wife would need to move into a Care Home.
“ I was devastated and had no idea what to do but when the Nurse said to speak to you and you would help me not only find somewhere but understand how it was going to be paid for, it was a blessed relief”
FINDING GOOD CARE
Sarah was worried about her Mum and wanted help finding the right care at home.
“We hadn’t had to do this before and Mum was adamant she didn’t need any help because we were there” “Once she had met you, she seemed happier that we weren’t going to take over or put her in a home and she was more open to the idea”
TOP TEN TIPS
1. Knowledge is power – We don’t know what we don’t know. It’s easy to be guided by other people, especially if you are tired and have little time or no previous experience of the care and benefit system but do you really want to rely on that when you are engaging one of the most expensive services of your lifetime without getting expert advice?
Informed decisions can only be made with ALL of the relevant information. True, there can come a point when you have information overload but without knowing what you need to know, personalised for your circumstances how can you make good choices?
2. Understand the variables - Residential care costs, on average, more than £30,000 a year. A nursing home can cost £40,000 a year or more if you live in the South East, it can be £10,000 a year more and for ’self-funders’ who can pay more for a place in the same home as someone who is supported by a Local Authority or funded by NHS Continuing Healthcare. Did you know the Local Authority must help you arrange care at home if you ask? Not the same as paying for it! And that the Local Authority must provide some services FREE of charge regardless of your funding status...
3. Know the Care and Housing Options – Before making a life changing decision make sure you are aware of your options. Often our choices depend on location and cost so it’s worth finding out what help there is and what services are FREE of charge. Do you know what the difference is between a Residential care home and a Nursing home? Would Live In care be more suitable, will the Council pay? What will happen if your money runs out?
4. Choose the right care - Avoid over- spending on care that you don’t need or wouldn’t qualify for if the money runs out. The right care starts with the right advice and claiming benefits, getting the right assessments can lead to additional money to help you pay for your choice of care.
5. More haste less speed - Sometimes there is a need for swift action but before making life changing choices think about why you have come to this decision. Moving into a care home can’t stop you falling and if you are lonely at home moving into a care home isn’t necessarily the answer. A period of respite leading to long term care is common but ask yourself, is this choice sustainable? If not, what happens when the money runs out? Don’t rush into signing anything before knowing what else may be available.
6. Don't make assumptions - The most common assumption is that a house will have to be sold or that you will be forced that you will be forced to go into a home and sell the house. Often a property is disregarded from a Local Authority financial assessment. The Council may be able to make a Deferred Payment Agreement if you are moving into a care home and don’t want to or can’t sell. Moving or Renting may work for you and with most people preferring to stay at home Adult Social Care and NHS services may be able to help you to remain independent.
7. Help from the state – Both the NHS and Adult Social Care (also known as the Council or Local Authority) have services that are FREE of charge, regardless of whether you will be ‘self- funding your care’. NHS Funding is free from a means test but Adult Social Care is usually means-tested with an upper funding level of £23’250 (England 2019/20). There are more non-means tested welfare benefits than those that are means tested, many are left unclaimed and often this is a lack of awareness rather than a reluctance to claim. Make sure you have the facts and avoid paying for care when you shouldn’t be or for too long.
8. Make Plans - Registering a Power of Attorney while you are still able to choose someone you trust will save you time and money and can give peace of mind that your wishes are known and followed, should there be a time when you are not able to make your own decisions unassisted. Making a Will, Estate planning and financial advice may save you time and money.
9. Give yourself a break - Most people would prefer to stay at home given the choice. There are 7 million carers in the UK. 1 in 5 people between 50- 65 years are carers, and 65% of older carers live with a disability of their own. Don’t wear your self out or suffer in stoic silence.
10. Funding Tree – If you aren’t sure what these things are contact us for expert advice