Friday, October 21, 2022

Apply For The Fair Deal Scheme (NHSS) To Fund Nursing Home Care For A Relative With Dementia

 

Is your spouse, or another family member inflicted with dementia? Well, caring for a loved one living with dementia is an extremely challenging job and it becomes more demanding as the symptoms get worse. Moving the dementia patient into a care facility can be a great alternative. 

But, are you confused about how to fund the long-term care of your loved person with dementia? Fret not! All you need to do is apply for the Fair Deal Scheme in Cork to receive financial support for long-term costs.

Dementia: An Overview

Dementia isn’t a disease in itself. Instead, it’s a word that describes various symptoms associated with difficulties in decision-making, thinking, mental sharpness, memory loss, problem-solving, understanding, and movement. Also, there may be changes in behaviour or mood. Although the changes might be quite small initially, the symptoms might become significant enough for having severe consequences in daily life.

Signs You Should Consider Nursing Home Care For A Relative With Dementia

Ø  You have been struggling and feeling exhausted – physically as well as emotionally – to offer the necessary care

Ø  Recently you have witnessed a huge decline in the physical or cognitive health of your loved one

Ø  Your role as a caregiver has advanced to the point where you feel that your own health is getting affected adversely.

Ø  Staying at home is deteriorating the health and well-being of the patient owing to challenging behaviours like sleep disturbance, aggression, and delusions. 

How Does Long-Term Care Home Benefit Patients With Dementia?

Nursing homes offer around-the-clock care as well as long-term medical treatment. Most of these facilities have staff to address issues like housekeeping, recreation, transportation, meals, frequent checks, and medication monitoring. Such a situation is perfect for families that work and are unable to leave their loved ones alone at home.

No matter how far gone the disease is, there are several benefits to moving into a nursing home. Some of the key benefits of nursing home care for patients with dementia are:

·       Unparalleled care and support from skilled care staff 24*7

·       Care homes can look after your dear one and make sure they stay completely safe

·       Staying with others allows your loved one to participate in social activity

·       Visiting a loved one in the nursing home instead of caring for them lets you spend quality time together without any added pressure

·       Being a family member, you can still provide support as well as influence their care

·       Fair deal nursing home scheme

Opt For The Fair Deal Nursing Home Scheme To Make Long-Term Care Affordable

Nursing home care in Ireland is essential for people suffering from dementia as it improves their quality of life. But, if truth be told, the cost of long-term care for a dementia patient is often a concern for the family members. So, it’s no surprise that most people need financial assistance to afford nursing home care for their family members inflicted with dementia. It is here that Fair Deal Scheme in Cork comes as a blessing to anyone who is ordinarily a resident of Ireland.

Fair Deal or Nursing Home Support Scheme is an HSE-administered Irish government scheme that lets people with dementia avail of specialised care in a nursing home. The application procedure consists of three parts – care needs assessment, financial assessment, and nursing home loan.

Want to know more about Fair Deal funding? Check out the Nursing Home Support Scheme guide for detailed insight.

Wrapping Up!

Even though it can be hard to move your loved one suffering from dementia to a nursing home, it is very essential for their well-being and safety. Long-term care can be very beneficial for every individual suffering from dementia. Opting for specialized care is also an excellent way to show how much they mean to you.

If funding is a concern, applying for the Fair Deal Scheme in Cork can be the key to making nursing home care affordable. So what are you still pondering over? It’s time to get long-term care support for your dear one who’s coping with dementia!


Friday, October 7, 2022

Proceeds of the Sale of the House and the Nursing Home Support Scheme - A 2022 Update

 

From February 2022, changes have been made to the Nursing Home Support Scheme - Fair Deal, which has been publicised to extend the 3-year cap on the family farm, businesses and even proceeds of the sale of the house. This article explains the matter more closely, and how to qualify to get the exemption of house sale proceeds.

How The New Amendment Makes Things Easier for Families and Businesses

 

Suppose you or your loved one is living in a Nursing Home, under Fair Deal Scheme or the Fair Deal Loan scheme, and when the three years cap is applied, the homeowner may sell the house and keep the sale money in their bank account.

 

Now how to pay for care? Are you supposed to pay a percentage of the sale proceeds towards cash assets?

 

The new amendment to the Nursing Homes Support Scheme was passed in February 2022, where a nursing home resident’s family home is sold, the proceeds are not included in the financial assessment for the Scheme once three years have passed.

 

The HSE will now permit a resident to sell their property once their application is approved and they are in care, according to the recently released rules. Until the client has resided in the nursing home for three years, the net proceeds will be charged as a monetary asset. After that time, the net proceeds will no longer be chargeable.

 

How You Pay For Care After 3years in Under Fair Deal Scheme

 

Previously, the applicant was required to contribute cash assets from the sale proceeds of a property owned by someone living under the Fair Deal Scheme.

 

This was a significant deterrent to residents selling their homes throughout their lifetime and has led to many vacant properties held by nursing home residents across the nation.

 

After three years in a nursing home, a property can now be sold, and no contribution from the revenues will be required going forward, according to the updated legislation that was initially passed into law.

 

 

After three years of receiving care, your residence will no longer be included in your financial evaluation. You don't need to take any action. The net revenues of a house sale that takes place while you are receiving care will also count toward the 3-year cap.

 

Qualification Criteria for 3-Year Cap on Proceeds of House Sale

 

People who sold their home while receiving nursing home care and are receiving care under Fair Deal before October 20, 2021, may apply for the three-year cap on the net proceeds of their home sale. Applicants need to contact any local fair deal scheme Ireland office and notify the officials about the specifics of the sale and request a review of the qualification. Some of the qualifications requirements are as follows:

 

       The business or farm or house must be owned by the applicant

       An immediate family member or proposed family successor must commit to running the farm or business or have been living in the house

       A charge in favour of the HSE will be placed on the chargeable property

 

It is not as straightforward when it comes to managing family homes, assets and farms and businesses with the nursing home scheme. The best way to work it out is to consult a Fair Deal Scheme advisor, or even consult an attorney who specialises in handling Fair Deal cases in Ireland. Make a conscious decision and maximise the benefits.