Paying for Residential Care

It is important to have all the facts when considering residential care. Paying for care can be confusing. The main support, the Government’s Fair Deal Scheme, provides financial assistance for people who need a long-term care home.

This support is available in each Ditchley Group nursing home.

AN INTRO TO FAIR DEAL SCHEME

The Nursing Homes Support Scheme provides financial assistance for people who need long-term nursing home care. An individual’s contribution is based on their means, and the State, through the Health Service Executive (HSE), pays the balance of the costs in public, private and voluntary nursing homes approved under the scheme.

Under the scheme, bed and board is covered along with nursing and personal care and laundry.

APPLYING FOR FAIR DEAL

This is a two-step process.

  1. An application for a Care Needs Assessment (see below) is made
  2. An application for State support.

There is an optional third step – for the Nursing Home Loan. Anyone who is assessed as requiring long-term nursing home care can avail of the scheme.

A CARE NEEDS ASSESSMENT

This is carried out by healthcare professionals appointed by the HSE, and takes into account the ability to carry out the activities of daily living; the medical, health and personal social services being provided; family and community support; and the person’s own wishes.

A BREAKDOWN OF THE FINANCIAL ASSISTANCE

Contribution is 80% of assessable income and 7.5% of the value of any assets per annum. The first €36,000 of assets, or €72,000 for a couple, will not be counted in the financial assessment. The 7.5% contribution from the principal residence is only included for the first three years of a person’s time in care. If you have no assets, you simply pay 80% of your assessable income.

APPROVAL TIMES

Approximately four to six weeks.

THE FAIR DEAL SCHEME APPLICATION FORM

They are available online here, or at your Local Health Office or hospital.

We hope we have answered any questions you might have about the Fair Deal Scheme. If you do have any further queries on the Scheme, please contact your local HSE Nursing Homes Support Office, call the HSE infoline 1850 24 1850 or visit the website of the Department of Health.