Father in Nursing Home & Mother Living in Family Home: How Can Fair Deal Scheme in Ireland Help?

 

Situations, where a father is in dire need of long-term care whereas the mother continues to occupy the family home, are common. Is your family undergoing a similar state of affairs? Are you seeking valuable advice on the same? Luck is on your side today. Enclosed here is the resolution explaining the options under Fair Deal Nursing Home Scheme.

How Can Fair Deal Scheme in Ireland Assist in Overcoming the Stressful Situation?

Families living in Ireland often fall into such circumstances. Father draws a pension, whereas the mother feels anxious, fearing her house to be sold off from under her. The best way to approach such a circumstance is by following the steps below:

v  Applying for Nursing Home as soon as possible. Experts recommend to do so at the earliest because the scheme takes a week or a month to set up and initiate.

v  Sit for a Needs-Based Assessment, whereby a doctor or a social worker will certify the urgency for long term residential care despite the community and family support.

v  Once the Health Service Executive (HSE) is convinced of the Father’s incapacity to live in his home, the applicant has to undergo a Financial Assessment to check the amount of contribution towards of cost of care. The State bears the extra expense above the agreed sum at the nursing home of the applicant’s choice.

v  If the mother continues to stay at home, the applicant or the father here, has to pay 40% of the joint annual income. A separate bill on assets is also charged, which is 3.75% every year against them.

v  Under assets, the valuation of land, property and savings are taken into consideration. However, one thing is assured – the house will not be sold, and the mother can continue living there.

v  Regarding payment, the applicant’s family can settle the debt part by part every year or defer it until both the parents pass away. This is where the Nursing Home Loan Scheme makes sense.

We bet all of the above sounds simple, but applicants can always speed up the process by paying extra fees to an advisor and making the person run the calculations on their behalf. They can also rely on the experts to complete the application form and take the load off their shoulders.

Postscript:

Fair Deal Advice is one such advisory body, offering one-to-one consultations to those willing to seek the services of an advisor to enjoy the benefits of the Fair Deal Nursing Home Scheme in Ireland. Book an appointment to get more such queries answered and tread on the best way to progress with one of your parent’s health without the other going homeless!