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Funding for dementia care may seem confusing at first glance. This blog aims to comprehensively explain the funding options open to you for dementia care for a loved one.
Dementia is devastating for any family and can have an overwhelming impact on your finances. Approximately 700,000 families are caring for loved ones with dementia in the UK. Many of them are not eligible for the financial help they need.
The Alzheimer’s Society states that: “…every three minutes, one person in the UK develops dementia”. Sadly, there’s currently no cure for dementia and many people face the condition alone or struggle with inadequate care.
If someone has dementia, most of their care needs will likely be classed as social care needs rather than healthcare needs. This means if they have assets, including the value of their property, of over £23,250, they will be responsible for funding their dementia care. They may, however, be eligible for some benefits to support their care.
You might be wondering ‘Are dementia patients entitled to free care’, ‘How do I get NHS funding for dementia?’ or ‘How to get funding for dementia care’. In this article, you can discover ways of funding for dementia care.
There are three ways of funding dementia care:
Thousands of people across the UK need ongoing care due to disabilities, accidents, or illnesses. NHS continuing healthcare (CHC) funding is free healthcare provided by the NHS to adults with long-term, complex health needs. It is available for medical care needs due to a disability, accident, or major illness. NHS continuing healthcare funding covers costs including home carers and care home fees. It is not means-tested so if you meet the medical criteria you will be eligible and the NHS will fund the full cost of your care.
It is helpful to know these facts when it comes to NHS continuing healthcare (CHC) funding:
The diagnosis of any medical condition, including dementia, is not enough for NHS continuing healthcare funding to be awarded. Dementia can come in various forms, such as Alzheimer’s, Lewy Body Dementia, and Vascular Dementia. There are varying levels of severity and each can affect people in broadly different ways. Therefore, care needs will be different for each person with dementia.
The NHS CHC assessment checklist covers general health needs, such as:
You can find out more about NHS continuing healthcare on their website.
If it’s decided that you’re not eligible for NHS CHC, these are the steps you can take:
Dementia is a progressive disease meaning families face difficult decisions when their loved ones’ care needs change. It might become apparent that a person is not coping and more support is needed.
There are national rules set for who needs to pay for care and support, although these can vary depending on your local council. Generally speaking, it depends on the type of care and support a dementia patient needs, where you live, and the services/funding available.
The local authority will undertake a free needs assessment to establish the level of care your loved one requires. If your loved one needs care, a financial assessment will be carried out.
A financial assessment will establish if the care will be paid for by the local council, if you should contribute to the cost of care, or if you will have to self-fund your care. There are thresholds for savings and assets, above which you will need to pay for your care. The upper limit for 2023-24 is £23,250. If you have capital between £14,250 and £23,250 the local council will fund some of your care and you will need to contribute to the costs. If you receive care in your own home, the value of your home will not be included in the financial assessment and you should be offered a personal budget so that you can make your own care arrangements.
You will not be entitled to funding for dementia care if you:
If you want to self-fund your dementia care, you can:
Even if you choose to self-fund your dementia care, your council can do a needs assessment to check what care you might need.
You might be able to get some free help regardless of your income. This includes:
Your loved one may also be entitled to certain benefits. If your relative is not eligible for funding for dementia care, they will be entitled to several benefits that will help towards overall costs. These include:
You can find further advice on funding care on the NHS website.
Several concerns will trigger families to reconsider their care arrangements. These include confusion, disorientation, refusal to eat, and dangerous behaviour. Safety is the top priority. If you feel your loved one’s safety and well-being are compromised, it is important to ask for help and have a professional assessment of their care needs.
Around two-thirds of people in the UK currently living with dementia are in their own homes. Unpaid family carers play a vital role in supporting these individuals–keeping them safe and comfortable.
If your relative has dementia, the assessment process to provide care is the same whether the care is going to take place in a care home or at the person’s own home.
If your relative’s dementia means they would be more comfortable in their own home with 24-hour support, then Mumby’s Live-in Care can help you through the process.
People living with dementia often find change confusing and threatening. This is why arranging for care in their own home can be a great option for people who are no longer safe to be left alone.
A live-in carer will do all they can to promote your relative’s independence while keeping them safe. For example: if your loved one enjoys tasks such as cooking, a live-in carer can help them to prepare a meal. It could be things as simple as watching a TV show, looking through photos, and sitting in the garden. It’s helpful for people living with dementia to feel as independent as they can. Some other benefits include:
Read more about the benefits of live-in care for dementia patients.
If you decide that live-in care is right for your loved one, then the provider you choose will be able to provide a free assessment of your loved one’s needs and advise on costs and funding.
If you would like to know more about the benefits of live-in care for dementia patients, or how Mumby’s can help your loved one with dementia care, please call us on 01865 391187 for a friendly chat. We can arrange a no-obligation free care assessment for your loved one and develop a personalised care plan for them.
Guide to Funding Live-in Care
What is the cost of live-in dementia care?
Supporting someone with dementia
The importance of a dementia diagnosis
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