Long term care is the term given to care provided to individuals, (either in their own home, in community settings or residential care homes), to help with everyday activities such as eating, bathing and dressing, because of age, disability or illness. Such long term care is either provided voluntarily by any spouses, family or friends, or is provided by professional carers, paid for by the individual or by local authority social service departments.
We all hope that our retirement will be a long and happy one and that we can go on living independently in our own home until we die. In reality with increasing life expectancy, is that many of us will probably need some form of long term care.
Domiciliary long term care s is a term given to care you receive in the comfort of your own home and is provided either by the local authority, private carers or a mix.
Sometimes referred to as community care, domiciliary long term care is designed to provide the extra care needed when family can't provide it and is designed to try and help the person in need, live independently as long as possible.
There is no national laid down criteria and local authority provision will differ from authority to authority but will normally only be available once care is assessed as either "substantial" or more commonly "significant" and is means tested.
Any financial help towards the cost of this care is means tested and unless you qualify for NHS Continuing Healthcare you are unlikely to receive any help if your capital /savings (and property if single, divorced or widowed) is more than just £23,250 England, £27,250 Scotland or if you live in Wales £24,000 if you need domiciliary care or £40,000 for care in a care home (2018/19) If it does exceed this you will then be deemed to be able to pay for your own care and if your savings permit you may like to look at care fee annuities as a way of ensuring you can always afford the care you want.
To read more about domiciliary long term care and whether you could qualify for any financial help visit domiciliary care.
Provided by the NHS this is a short period of intensive care designed to try and rehabilitate the person needing care to allow them to return home.
Usually provided at home, it can be offered after a spell in hospital or even in a care home.
It is normally provided free of charge but only for 6 weeks.
This type of long term care is where care and meals are provided full time in a specific residential care home.
Residential care homes are distinct from nursing home (or to give them their official name – care homes with nursing) because residential care homes do not have a full time state registered nurse on duty and any are designed just to provide adult social care – help with daily activities including wasting, toileting, eating etc.
Medical needs are addressed, as and when required by a visiting GP or district nurse. Once medical needs become more acute and/or regular - nursing care will normally become necessary either resulting in a move to a nursing home or move to a nursing ward or floor if the care home currently in is a dual registered home, i.e. offers both residential and nursing care.
Any financial help towards the cost of this care is means tested and unless you qualify for NHS Continuing Healthcare you are unlikely to receive any if your capital /savings (and property if single, divorced or widowed) is more than just £23,250 England, £27,250 Scotland or if you live in Wales £24,000 if you need domiciliary care or £40,000 for care in a care home (2018/19) . If it does exceed this you will then be deemed to be able to self-fund and you should then at least consider care fee annuities (formerly called care fee annuities).
This is the level of care required when apart from ordinary social care needs, there is also regular medical needs requiring supervision.
Nursing Homes differ from residential care because they cater for more severe and intensive needs and have a full time state registered nurse on duty at all times.
They are inevitably more expensive, but when anyone is formally assessed as needing nursing care and you receive that care in a nursing home, you will also qualify for an extra state payment – the Registered (now more often referred to as Funded) Nursing Care Contribution is now £158.16 per week in England, £149.67 per week in Wales or £79 per week in Scotland (for the equivalent Nursing Contribution) - 2018/19 but this is paid directly to the nursing home and they reduce your fees accordingly.
State help with paying for care
Any local authority help towards the cost of this care is means tested. Unless you qualify for NHS Continuing Healthcare you are unlikely to receive any Local Authority help if your capital /savings (and property if single , divorced or widowed) is more than just £23,250 England, £27,250 Scotland or if you live in Wales £24,000 if you need domiciliary care or £40,000 for care in a care home (2018/19) although in Scotland such means testing is only applied to paying for accommodation costs (Please see Paying for Care in Scotland for further information if you need care in Scotland). If it does exceed this amount you will have to self-fund when you should at least consider care fee annuity or care fee annuities and look to receive professional long term care fees advice.
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