Self Funding Care
Help self funders understand their self funding care options; understand care funding jargon and help to guide your self funding care actions.
Where a residential home provides personal care only (such as help with washing, dressing and giving medication).
A nursing home provides care that needs to be carried out or supervised by a registered nurse (such as dressings, injections and so on) and must have a registered nurse present at all times.
There are two main types of nursing care:
- homes attended by registered nurses who lead teams of carers
- homes attended by registered mental nurses
People with disabilities, mental health problems or learning difficulties are often cared for at home by paid or voluntary caregivers (such as family and friends), with additional support from home care agencies.
If home based care is not available or appropriate, then residential care may be appropriate.
Residential care will typically provide accommodation, meals, laundry, a programme of social activities as well as help with day-to-day basic care needs such as washing and dressing where required.
The Care Act 2014 will come into effect from April 2015 and is an overhaul of social care in England.
Fundamentally, the Act reforms how the law works and has prioritised people’s well being, needs and goals.
Councils must enable people to access independent financial advice to help steer them through the complexities of care funding.
Once an assessment has been undertaken, a care plan will be provided. This doesn’t necessarily mean that a person has to go into a residential or nursing home permanently. Often providing domiciliary care is preferable for the individual as they remain in their own surroundings and retain a level of independence.
Respite care can aso be provided where an individual has a short stay in a home to provide respite for either the individual or their carer.
Each year, thousands of people are told they have to self fund their long term care. At a time fraught with uncertainty and high emotions, it is only natural that an array of questions bubble to the surface. “How do I generate enough income to pay for my care?”, you might ask. “What type of care do I need?” “How do I protect my savings and family inheritance?” “Do I have to sell my home if I move into care?”.
Your local authority has a duty of care to carry out an assessment under Section 47 of the National Health Service and Community Care Act 1990. Once your needs have been assessed, you will be advised of the type of care that is appropriate.
There are several types of care home available to people looking for self funding care. Each type of care home is suitable for a different variety of personal needs, and typically these are broken into two categories: Residential Care and Independent Living.