It is a fact of life that we age, unfortunately, it is also fact that some of us will be forced to go into residential care. It is something that almost all of us must consider at some point, whether it is ourselves, a friend or a relative it is a difficult time.
It is something that makes a lot of us feel rather uneasy. Of course, nobody wants to be in care. However, when the time comes it is important that you are as prepared as possible to prevent the worst-case scenario. It is all to regular that we, here at Seatons hear horror stories of those who have been forced to sell their house to pay for care fees.
There are also those who provide care for loved ones. These people have often been felt let down and upset as the support for them is not there. Legislation was introduced in 2014 which was implemented in April 2015. And further amendments were made in 2016. This legislation has been enforced to clarify the role of the carer and the way local authority funding is allocated. The following are the key points of the care act which you as the consumer should know:
- Every Local Authority must now offer a ‘deferred payment scheme’ to those who receive care and support. This is essentially a way of deferring payment of the care fees until after your death meaning that you will not have to sell your house in your lifetime to pay for care home fees.
- There is now a minimum national eligibility threshold across the country. This makes it clear to the local authority who they must provide support to, also what level of support they have.
- Carers will be able to request a carer’s assessment from their local authority meaning that the carers livelihood can be considered. It is advisable that all carers take advantage of these assessments so that they do not miss out on the support that they need and deserve.
- There is now a cap on care costs of £72,000. This is regardless of the value of your estate. It is important to note that if you are in residential care, once you are past the cap you will still be responsible for food and lodging costs.
- Now, to be eligible for state support of care costs you will need to be assessed by the local authority. The local authority will be able to decide if you have sufficient needs to be warranted state support. Per government estimates, it will mean that 100,000 people will have benefitted from state-supported-care.
The above reforms do mean that access to support is much easier than it has been in the past. We, at Seatons understand that these regulations are difficult to understand and that you may not want to spend away your hard-earned savings on care when you may be entitled to support from the state. There are many cases where people have been unaware of the options available to them.
The worst-case scenario is the savings that you have spent your life accumulating are spent paying for your care fees and you find out that the cost of your care could have been covered. Here at Seatons we will work hard to ensure that each and every avenue is covered so that you don’t have to rid yourself of assets to pay for care.
We are specialists in many different fields and can assist you in several different ways from filling out application forms to appealing any decision that the local authority make. We will always be on your side and will fight for you. We understand how precious your assets are to you. We are the friendly professionals; we are sympathetic and provide a service which ensures that we are with you every step of the way.
If you believe that you are eligible for state support, or even believe that you have been wrongly denied support, or if you are going into care or worried about going in to care, we can help. For a free, no obligation chat over the phone with one of our experts then do not hesitate and call us today on 0800 310 11 12. We can assess your case and advise you on the next steps to take.