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  • State Funding | Advice on Care | Impartial Care Fees Consultant
    child under 16 still lives there and the person needing care is responsible for maintaining them only one property can be disregarded under these rates Or you want care at home Personal possessions are excluded unless believed purchased deliberately to reduce capital prior to an assessment Your local authority also has the discretion but is not compelled to disregard the home if it has now become the sole residence of someone who previously cared for you However the value of any property assessed should only include the net value making allowance for any debt secured on it and a nominal 10 sale costs It could also be further reduced if you only have a beneficial right over a percentage of its ownership such as where prior to any care being a possibility ownership was transferred into a Tenants in Common basis or where some of it is now owned by a Trust In such instances only a nominal value should be assessed providing no other family member is able or willing to buy the other share as no other person would want to buy just a percentage of any property 12 Week Property Disregard Even if the full value is counted providing other assets do not exceed 23 250 England and N Ireland 24 000 Wales or 26 250 Scotland 2015 16 they should also ignore it for an initial 12 weeks This is called the 12 week property disregard Even if the full value is counted providing other assets do not exceed 23 250 England and N Ireland 24 000 Wales or 26 250 Scotland 2015 16 they should also ignore it for an initial 12 weeks This is called the 12 week property disregard If or when care becomes permanent AND care in a care home is deemed necessary under any local social services care needs assessment the value of any principal former residence not investment or 2nd property should be disregarded for the first 12 However this doesn t means your first 12 weeks of any permanent care will be provided free it just means the value of your home must be disregarded During this 12 weeks they will still normally seek some contribution from you towards your care based on your income and any benefits you are already claiming or could claim After this first 12 weeks your home s value would then be counted unless continues to be disregarded due to a spouse or dependant relative living there and you would then need to fund your own care and should seek professional care fees advice To find out more about options for self funding see Paying for Care Income However even if your capital falls below the applicable Upper Capital Thresholds you may still not qualify for any assistance This is because they will then also look at your actual income being received from pensions and any benefits you are either currently receiving or could receive if you claimed them plus any tariff income or

    Original URL path: http://www.adviceoncare.co.uk/state-funding.html (2016-04-24)
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  • NHS Continuing Healthcare | Advice on Care | Impartial Care Fees Consultant
    it If this preliminary checklist results in 2 or more of these categories being assessed as High or just one if it is a need which carries a priority rating or Being assessed as Moderate in 5 or more categories unless there is also one which meets the high level when only 4 need to be Moderate A full assessment using the decision support tool should be undertaken to assess more comprehensively the persons physical mental psychological and emotional needs Should this more detailed assessment indicate There is a priority need in any of the four domains carrying this level or There is a total of two or more incidences of identified severe needs across all domains A recommendation of eligibility for NHS Continuing Care should then be made to the Clinical Commissioning Group Likewise if the assessment suggests that there is One domain recorded as severe together with needs in a number of other domains or A number of domains with high and or moderate needs This can also indicate a primary health need However please note neither of the above outcomes on their own will determine whether you are eligible with the final decision being taken by the local Clinical Commissioning Group after also taking into account the healthcare s experience and judgement Terminal illness In England or Wales if your claim for NHS Continuing Healthcare is because you or your relative is entering a terminal phase due to a rapidly deteriorating condition and you need a package of care to be put in place urgently you can ask a Ward Sister or GP to consider an immediate provision of NHS Continuing Healthcare provision under the Fast Track process If an assessment makes a recommendation for urgent care the CCG should accept it and provide it immediately but can then reassess using the usual decision making support tool In Scotland only if you need to remain in hospital or an NHS Hospice will you qualify for Hospital Based Complex Clinical Care but any other NHS or local authority services should still be provided free For how long will you continue to receive NHS Continuing Healthcare In England or Wales if your health merits it you may receive NHS Continuing Healthcare indefinitely but your ongoing entitlement will be subject to regular reviews As we have already seen if you live in Scotland and new Complex Clinical Care award will only last whilst you need to remain living in hospital or an NHS Hospice Reviews Even if successful and you are awarded funding a review of eligibility will be carried out after three months and then again each year Appealing a decision If at the checklist stage you are told you do not meet the criteria for NHS Continuing Healthcare and are therefore not given a full assessment you can first ask to see your paperwork and then challenge the assessment through the NHS Complaints process If you are denied to see a copy of the completed assessment contact either

    Original URL path: http://www.adviceoncare.co.uk/nhs-continuing-healthcare.html (2016-04-24)
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  • Funded Nursing Care | Advice on Care | Impartial Care Fees Consultant
    Local Authority Unlike NHS Continuing Healthcare which can be paid in any setting NHS Funded care or Registered Nursing Care Contribution is not payable if you continue to reside at home or in a residential care home N B When discussing fees with any possible nursing home it is important to establish whether the fees quoted are before or after deduction of the Registered Nursing Care Contribution as care homes differ on this Rates of Registered Nursing Care Contribution The amount received varies dependant on both where the person receives care and how long they have been receiving nursing care for The standard Registered Nursing Care contribution for people assessed as needing nursing care for the first time in 2015 16 are England 112 per week Wales 140 59 per week although those who were receiving the original higher rate band prior to 1 10 2007 will remain on a higher rate of 154 14 per week but still be subject to reassessment The amount received is usually reviewed annually in April Funded Nursing Care is a non taxable benefit and doesn t affect entitlement to Attendance Allowance In Scotland people needing nursing care do not receive Registered Nursing Care Contribution as such but receive instead a contribution towards nursing care which is currently 78 00 per week 2015 16 They should also receive 171 per week 2015 16 towards Personal Care but would then lose Attendance Allowance Is NHS Funded Nursing Care awarded automatically to all entering a nursing home No although entitlement is not means tested entitlement is based on an assessment carried out by a registered nurse to confirm the need for an input from a registered nurse in meeting any care needs Services provided regularly by a registered nurse are likely to involve provision of nursing

    Original URL path: http://www.adviceoncare.co.uk/funding-nursing-care.html (2016-04-24)
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  • Deferred Payments | Advice on Care | Impartial Care Fees Consultant
    home these will not qualify Deferred Payment Schemes How do they work Deferred Payments scheme are not automatically granted you have to apply to your Local Authority If granted your Local Authority undertakes to pay your care fees for you to the care home until you sell your home or die when they will recover the debt from the sale proceeds They secure this ongoing debt by placing a legal charge on the property so it can t be sold without your solicitor repaying any debt from the sale proceeds In the meantime to avoid potentially very large bills your Local Authority will expect you to pay them all of your income bar a Personal Expenses Allowance currently 24 90 England 25 50 Wales and 25 05 Scotland 2015 16 Should you want to rent out any former home and your local authority agrees to it they will also expect to receive any rental income Whilst this means you will not immediately benefit from any such rental income any money paid to the Local Authority reduces the debt created which in turn means you need to repay less There is no definite time limit to such schemes but the Local Authority will occasionally write to you and ask your intentions regarding selling the property and they will not allow any debt to exceed a certain of the property s value normally around 80 They will therefore ascertain any property s value at outset and depending on how long any scheme runs for along with changes in property value will possibly seek fresh revaluations from time to time Costs and Obligations of Deferred Payments Schemes For setting up a Deferred Payments Scheme you will need to pay for the legal and administrative costs involved in creating a legal charge on your property plus initial and period valuation fees You will also be obliged to keep any property fully insured which can be expensive and difficult to obtain if it is to remain unoccupied and maintained including routine work like cutting any grass etc For this reason you may decide that it is still easier just to sell the property but in this case any value realised would be counted in any means test see State Funding Universal Deferred Payments Scheme England As part of Care Act 2014 reform of Long Term Care funding in England this deferred payments scheme have been improved and is now in England its referred to as the Universal Deferred Payments Scheme This is similar to the old scheme but is designed to be accessible to more people as although the non property capital threshold remains the same as the old scheme during 2015 16 23 250 from April 2016 the threshold will rise to an expected 118 000 However there are some fundamental differences including Just like a credit card Local Authorities in England will now be able to charge interest at a nationally set but variable rate on any debt built up from day 1

    Original URL path: http://www.adviceoncare.co.uk/deferred-payments.html (2016-04-24)
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  • Paying for long term care in England | Advice on Care | Impartial Care Fees Consultant
    required in a majority of care homes Indeed it may not even be sufficient to pay for some local authority run homes Even where you do qualify for the maximum local authority funding its not provided free The Local Authority will take all your income including most state benefits except what is deemed adequate to meet your personal needs the so called Personal Expenses Allowance currently 24 90 per week 2015 6 plus if you are over 65 and getting Savings credit either 5 75 per week if single or 8 60 per week if a couple England 2015 16 Pension Savings Disregard to help reimburse them for the fees they pay on your behalf Tariff Income If your capital falls in between the upper and lower capital thresholds 23 250 14 250 in 2015 16 any capital greater than 14 250 gets converted into additional notional or tariff income at the arbitrary rate of 1 per week additional income for every 250 of capital greater than 14 250 This is then added to any actual income received including most benefits or any which you could be entitled to if you claimed them but excluding your Personal Expenses Allowance currently 24 90 per week 2015 16 and if you are over 65 either 5 75 per week if single or 8 60 per week if a couple 2015 16 Pension Savings Disregard The resulting assessable income is then compared to the actual cost of care If your combined weekly income figure exceeds the cost of care once again you would need to pay for your own care until your capital reduced to such a level as your total assessable income didn t meet the cost of care If your total assessable income is less than the maximum rate your Local Authority is prepared to pay the local authority funds the difference Please remember however this may still not be sufficient to meet the full cost of your chosen care If this is the case other family members will need to pay the difference or find a care home willing to accept just the local authority s rate Clearly then should your assessable capital exceed 23 250 2015 16 and you need to self fund to ensure money doesn t run out and that your chosen care can continue indefinitely you should seek professional care fees advice form a SOLLA accredited specialist like ourselves and enquire as to how much a care fees payment plan might cost Paying for care in England from April 2016 now 2020 The Government previously announced that they intended to Raise the upper capital threshold from the current 23 250 to 118 000 and Cap the amount any individual has to pay for their own care to 72 000 However they have now stated that these will not now commence until 2020 at the earliest Consequently until then there will now be no change to way care is funded in England Long Term Care Advice If

    Original URL path: http://www.adviceoncare.co.uk/england-care.html (2016-04-24)
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  • Paying for long term care in Wales | Advice on Care | Impartial Care Fees Consultant
    them all your income except your Personal Expenses Allowance currently 25 50 per week 2015 16 plus either 5 75 per week if single or 8 60 per week if a couple Pension Savings Disregard 2015 16 Professional Care Fees Advice If you have to pay for your own care you may like to read paying for care To ensure your care can continue indefinitely and your money doesn t erode totally you should certainly also consider a Care Fee Funding Plan This is a specialist long term care annuity which you can buy with just a one off single premium which will then guarantee to pay an income your requested benefit usually just the difference between the cost of care and the income your or your parent relative will continue to enjoy indefinitely to meet the cost of care for however long is required The benefit if paid directly to your care home or registered care agency for care at home is also paid tax free under current rules and is totally portable so no matter whether you need to change care providers in the future it will continue to pay for the rest of your life If you would like us to obtain a free no obligation quotation for a care fees funding plan please complete our quote request form opposite and we will call you back to discuss it further Please note These plans are not offered direct by the insurers To simply find out more about Care Fee Funding Plans then download a free copy of our useful guide If you need to pay for your own care it would pay you to speak to one of our professional care fee advisers today on 0800 970 4885 Free Care Fee Funding Plan Quotes Find out for

    Original URL path: http://www.adviceoncare.co.uk/welsh-care.html (2016-04-24)
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  • Paying for long term care in Scotland | Advice on Care | Impartial Care Fees Consultant
    lose your entitlement to Attendance Allowance or the Care Component of the Disability Living Allowance worth currently 82 30 per week at the higher rate or 55 10 per week at the lower rate for Attendance Allowance or middle rate if Disability Living Allowance both rates are those applying in 2015 16 Also since June 2015 unlike in England Wales they have ceased providing free NHS Continuing Healthcare to new applicants even if your needs are primarily medical needs unless your needs can only be properly met in a hospital This means more people will have to be financially assessed to see if they need to pay for their own hotel or board costs Means Testing Means testing in Scotland is only done to see if you would also qualify for help towards Hotel or accommodation costs Those with personal capital assessable assets and ½ of any jointly held assessable assets exceeding only 26 250 2015 16 have to pay for all of their accommodation costs Only those currently below 16 250 2015 16 qualify for the maximum Local Authority budget often known as the standard rate or contract rate Unlike in England this rate doesn t vary from one local authority to another as there is a National Care Home Contract NCHC which standardises terms and conditions for local authority funded residents During 2015 16 this sets the standard rate at 609 31 with nursing care 524 67 without nursing care Of course you can choose a care home which charges above this standard rate for Hotel costs but you or a third party will have to pay the difference Even where you do qualify for this standardised rate they will expect you to pay them all of your income with the exception of Personal Expenses Allowance which in Scotland is 25 05 per week 2015 16 and if over 65 6 per week if single or 9 per week if a couple 2015 16 Pension Savings Disregard away from you as contributions towards their funding Those whose capital exceeds the lower threshold but doesn t exceed the Upper Threshold will have the value of any capital above the lower limit theoretically converted into extra tariff income at a rate of 1 extra notional income for every 250 worth of capital exceeding the lower limit This is then added to any actual income received or you would be eligible for if you claimed it e g benefits The total is then compared to the standard rate the Scottish Government has agreed If your combined weekly income figure exceeds it you would need to pay for your own care until your capital reduced to such a level as the income didn t meet the standard rate If the combined income is lower then your local social works department will pay the standard rate but would expect you to pay them all of your income except the Personal Expenses Allowance If your capital does exceed 26 250 2015 16 and need

    Original URL path: http://www.adviceoncare.co.uk/scotland-care.html (2016-04-24)
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  • Care Fee Funding Plans | Advice on Care | Impartial Care Fees Consultant
    person needing care s life no matter how long this is Give you peace of mind that money will not run out Relieve you from having to continually change bank or building society accounts in an attempt to try and achieve better interest rates and preserve capital for a bit longer Give you the option to receive set annual increases in benefits to meet annual increases in care fees Help protect any remaining capital for future inheritances Not only this but for those who may otherwise have to pay Inheritance Tax the money needed to buy a care plan will reduce the estate and thus help reduce or even avoid any tax being paid Please note Tax rules are liable to change No matter where you or your parent or relative prefers to receive their care at home or in a care home a care fees plan can help meet the fees What s more the plan remains portable so if your parent or relative starts out wanting care at home but then needs to move into a care home or move from a residential to a nursing home the payments can be re directed to help meet any new fees That s why more and more people are discovering for themselves that care fee funding plans or care fee annuities as they used to be called are the logical way of ensuring their parents or relative s ongoing care So why not discover for yourself how affordable a care fees funding plan could be It won t cost you a penny and we get quotes from all the providers Free Care Fee Funding Plan Quotes Find out for yourself just how affordable a care fees funding plan could be Get you FREE market comparison from ALL care fee plan providers easily by completing your details here and one of our advisers will call you back to discuss them So why not discover for yourself just how affordable a care fees funding plan can be It won t cost you a penny and we will provide you with quotes from ALL providers Please note These plans are not offered direct by the insurers Capital Protection Offering you money back even on death The main benefit of a care fees plan is to ensure care can continue indefinitely but no one can predict just how long care will be required for and should the person die earlier than expected you could lose money compared to the premium paid If this is your concern we are pleased to inform you that one care plan provider includes free of charge some limited and decreasing refund if death occurs within the first 6 months and with ALL providers you can pay a little more to initially protect either 25 50 or 75 of the premium Then if by the time of death the plan hasn t paid out as much as you protected your parent s or relative s estate receives any refund Free

    Original URL path: http://www.adviceoncare.co.uk/care-fee-funding-plans.html (2016-04-24)
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