It is becoming common knowledge that people are now living far longer than they were even just 20 years ago. As a result of this, there is more demand for care homes; both private and local authority run.
Your local authority will assess whether you require community care services, whilst the NHS is responsible for assessing whether you need NHS Continuing Healthcare – which includes nursing care as well as personal care.
In the event that the NHS assesses you to have a ‘primary health need’, you would be eligible for NHS Continuing Healthcare. If you have been assessed as needing accommodation as part of this, it would be included in your care and fully funded by the NHS.
If you don’t have a ‘primary health need’, your local authority would carry out a means test to assess your ability to pay for your own care (the nursing element will still be eligible for some NHS funding).
For information about whether you will have to sell your house to pay for your care fees, click on the image of our flowchart below to download a PDF version.
If you have over £23,250 of eligible capital, you will be expected to meet the full cost of your residential care. However, the capital might not take your house into account. For example, if you share your house with one of the following people, your house would not be included in the £23,250 capital:
Your pension and other income will be used as a contribution towards care home fees. If your income doesn’t cover the full cost, your home and other capital would then potentially need to be used.
We have offices in Leicester, Market Harborough and Hinckley where local Wills, Trusts and Probate solicitors will be happy to have a chat with you about care home planning in plain English there and then over the telephone. We can also then arrange a meeting at a convenient time for you.
We also always work on the basis that we will only do the work that you want us to do, without pressuring you to take up services that you don't want or need right now. Our transparency with costs and pricing also means that we will only ever charge you for what we do - rather than taking percentage of what you inherit.
Contact us to discuss an enquiry or a case you have or feel free to pop in and see us at your local office by clicking on the links below;
Leicester call us on 0116 254 8871.
Hinckley call us on 01455 639 900.
Market Harborough call us on 01858 467 181.
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