Nursing Home funding. Financial maze.

Deltadawn_3

I have been on several web sites - Age UK etc.

In brief, my husband has 'Continuing Health Care'.

It has now come to crisis stage whereby if he doesn't go in to long term care, then I will crack up completely.

I want to know about the financial aspect.

I read on one site, that we can each have savings up to £30,000, and anything above that, would be taken from us. My husband would be given 'pocket money' each week. But nothing is said anywhere about how much I would get to live on.

An adviser with a charity, told me that the funding only applies to my husband. He could have savings up to £23,000, and all of his pensions and benefits would be stopped. My income/savings, would not be affected

I suppose like many people, I have saved to cushion my state pension, so I did not have to worry in my old age.

Now, on top of the stress I am already under, I am worried sick about financies.

I have three dogs, who, I am sure, I would not be able to claim for!!!


Yesterday, my husband was taken into the Nursing Home where he has been previously for respite . I have been told that under the scheme he is on, he could stay for up to six months. Then another assessment would be made.

Could anybody please help me here - in plain English, as my brain can't cope with legal jargon now.

cattermole

Ok firstly really sorry to hear about your husband.

If you husband is getting CHC (Continuing Health Care) then his care/nursing costs are met by the National Health. Savings or income do not come into it.

His needs have been assessed that they are primarily Health needs, which means he has complex interacting Health Needs.

They re-assess the needs and normally they do this on a 3 or 6 monthly basis.

CHC is very difficult to get because Health try and wriggle out of it, for want of a better phrase.

For example if his needs were felt to be stable in 6 months time, then they could assess and say he was no longer eligible. So you would need to understand how the assessment process works in the future in order to stand the best chance of keeping him on CHC.

If he was to become ineligible for CHC in the future then only his savings and income would be taken into account any joint savings would be looked at on a 50/50 basis. The Nursing element of any nursing home charges however would still be funded by the Health Service.

Deltadawn_3

Thank you so much for your help. That has cleared things up greatly for me.

Cowboy180

As a new user, I am not able to add links to this post, but you can google Continuing Healthcare for all the details.


My mother was assessed at the hospice, and very quickly granted CHC funds, which paid IN FULL the costs of her Nursing Home fees until she died. This, despite the fact that she owned property.

Ask a social worker to take you through this if you think you and a family member/friend qualifies.

SandraScarlett

The 80 year old husband of a friend has had Parkinson's for years, but has developed dementia as well. He is doubly incontinent. Last July, following a fall down the stairs, he was hospitalised, and then granted CHC. He was given 3 months to live.


He is in a nursing home, of my friend's choice, due to the locality, and also has constant 1:1 care, both day and night. He is never left alone. He kept his pension, but had to relinquish his Attendance Allowance.


My friend, who lives in Plymouth, has been told the CHC will continue indefinitely, though after she was given, in error, a £5000 invoice, by the Care Home, for one month, she fervently hopes that won't change.


xx

PlymouthMaid

I was about to reply to you OP when I realised the post above was actually telling you exactly what I would have related to you about my Father's situation. I hope it is all a bit clearer to you now.

Hi SandraScarlett - you can guess who I am I think