The Fair Deal Scheme, also known as the Nursing Home Support Scheme, is an essential initiative in Ireland, helping people access long-term nursing home care without excessive financial strain. For those considering applying, it’s essential to understand what the scheme actually covers and how it can make nursing home care more affordable.
What is the Fair Deal Scheme?
The Fair Deal Scheme was developed by the Health Service Executive (HSE) to make nursing home care accessible and affordable for individuals and families across Ireland. By assessing the individual’s finances and determining a fair contribution, the state pays the balance of the nursing home cost, enabling individuals to receive quality care without depleting their finances.
What Does the Fair Deal Scheme Cover?
Daily Nursing Home Fees: The Fair Deal Scheme helps cover the daily fees required by HSE-approved nursing homes. This includes basic expenses like accommodation, food, and essential nursing care.
Medical and Personal Care: Within the scheme, residents have access to nursing and personal care services, which may include assistance with daily activities, such as bathing, dressing, and medication administration.
Ancillary Services: The scheme also provides coverage for essential ancillary services such as basic medical equipment, therapy sessions, and some medications.
Approved Private and Public Facilities: Only registered nursing homes that are HSE-approved can provide services under the Fair Deal Scheme. This means families can select from a range of approved public and private nursing homes while receiving consistent, high-quality care.
What is Not Covered?
While the Fair Deal Scheme offers substantial support, there are some limitations to keep in mind:
Additional Services: Non-essential services such as private rooms, specialty therapies, and personal expenses like hairdressing or television subscriptions are not covered by the Fair Deal Scheme. Families may need to pay separately for these amenities.
Hospital and Specialist Care: The scheme covers nursing home care but does not include outside hospital visits, specialist medical consultations, or surgical procedures.
How Does the Scheme Work?
To apply, individuals must complete a financial assessment that considers income and assets. This assessment determines the contribution they’ll make, while the state pays the balance of the nursing home cost. If an individual has property, the Nursing Home Loan Scheme can defer property-related contributions until a later date, making it easier to manage immediate expenses.
Making the Most of the Fair Deal Scheme
To get the best from the Fair Deal Scheme:
Consider Future Costs: While the scheme eases financial burdens, families should still consider additional personal costs and plan accordingly.
Explore Ancillary State Support: For those with significant property, the Nursing Home Loan Scheme can be a valuable option for deferring payments, allowing individuals to access necessary care without selling assets right away.
Final Thoughts
The Fair Deal Scheme and Nursing Home Support Scheme offer comprehensive support for those needing nursing home care in Ireland. From daily fees and essential services to nursing care, the scheme helps individuals receive the best care without overwhelming financial pressure. For guidance specific to your needs, Fair Deal Advice is here to assist with navigating these options and making well-informed decisions.