Paying for care at home
People often face the choice of whether they would like their loved one to stay at home or if they may need to move to a residential home. It can be possible to provide the level of care an individual needs in their own home, with the correct support. This can be better for the individual’s mental well-being and less upsetting. With care homes costing an average of £800 a week, there are also often financial benefits for choosing home care compared to moving into a care home full time.
- Financial Support
The local authority must carry out a financial assessment if it chooses to charge you for the cost of services to meet your needs. The purpose of the financial assessment is to work out how much, if any, you must pay towards the cost of services. Income including benefits and pensions are taken into account. Your home is excluded if you still live there. Other capital such as savings can be taken into account. The local authority cannot include income and capital belonging to your partner in the financial assessment. The thresholds for savings and assets, as of 2020, is £23,250 for England. If your income and capital are higher than this, it is likely you may be required to pay for your own care, either in part or in full.
You should be given a personal budget figure in writing, setting out how much it costs to meet your needs.
- Hospital Discharge and Re-enablement
Should you require short term care on leaving hospital, you may be eligible for support to help you recover. If you are eligible, care should be arranged before you leave hospital. This care is free for a maximum of 6 weeks.
- NHS Continuing Healthcare
For adults 18 and over with significant primary health needs, funding is available ( through NHS Continuing Healthcare ) which pays all care fees in full, whether the individual is in a care home or if they are in their own home. This is not means-tested and NHS Continuing Healthcare pays 100% of the care costs.
- Personal Health Budgets
A personal health budget is an amount of money to support your health and wellbeing needs, which is planned and agreed between you (or someone who represents you), and your local NHS team. It is not new money, but it may mean spending money differently so that you can get the care that you need. This allows you to manage your healthcare and support such as treatments, equipment and personal care in a way that suits you.
Funding is provided by your CCG. It can be jointly funded by your Council.
Your funding can be managed in different ways:
Direct Payments
You, or your representative, will receive the money directly to manage the care, support, and services you need. There are rules regarding how it can be spent.
Third-Party Personal Health Budgets
An independent organization holds the money for you and pays for and arranges the care and support agreed in your care and support plan on your behalf.
- Our Charges
No Place Like Home Midlands’ fees are based on the care plan that we create with you, or your loved one, after understanding your needs.
We will provide you with a quote for your care, which varies for each client depending on the hours and number of carers you require.
Our fees are transparent, and we are happy to answer any questions you may have.