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Information written, with you in mind, This information guide has been produced with. the help of older people and carers as well as, expert peer reviewers. Published September 2019, Next review due June 2020. We d love to hear from you, 1 Join our Readers Panel Have your say and be involved in. updating our guides by joining our Readers Panel You don t need. any specialist knowledge at all, Join our Readers Panel at www ageuk org uk readers panel.
2 Tell us your story We want to include real voices of real people. with real stories in our guides If you have a story then we re here. Email us at stories ageuk org uk, This information guide has been prepared by Age UK and contains general advice only it should not be. relied on as a basis for any decision or action and cannot be used as a substitute for professional advice. Neither Age UK nor any of its subsidiary companies or charities accepts any liability arising from its use. and it is the reader s sole responsibility to ensure any information is up to date and accurate. Please note that the inclusion of named agencies websites companies products services or. publications in this information guide does not constitute a recommendation or endorsement by. Age UK or any of its subsidiary companies or charities. What this guide is about 4, Thinking about the move 6. Getting the ball rolling, Different types of care home 8. Assessing your needs 9, Paying for care, Who will pay for the care home place 12. Will I have to sell my home 16, Third party top up fees 19.
Paying for your own care home place 20, Choosing a care home. How to find a care home 22, Can you choose your home if the council or NHS is paying 25. Settling in, Making it feel like home 27, For family and carers. Talking about the move 32, Dealing with the move emotionally 34. Paying top up fees 36, If you re worried about how a relative is being treated 37.
Useful organisations 38, What this guide is about, If you re finding it more difficult to manage at. home you might be wondering if it s time to move, You might be thinking about moving into a care home or. perhaps you have a relative or loved one who might need to. move into a care home soon or in the future, Thinking about the move can feel overwhelming Not knowing. where to start or who to contact can put you off all together. but this guide will help point you in the right direction. As far as possible the information given in this guide is. applicable across the UK, This symbol indicates where information differs. I think the time s come that, I shouldn t really be living on.
This guide is written for someone who is considering moving. into care But if you re reading it with someone else in mind it. will still be useful in helping you understand what your loved. one might be going through and the issues you both need to. consider You ll also find additional information specifically for. carers and relatives at the back of the guide see page 38. Next steps, It s a good idea to find out the number for your local council. They ll be able to provide a lot of the support and information. mentioned in this guide, My local council number is. Thinking about the move, There are lots of reasons you might be thinking about moving. into a care home Perhaps you re less able cook or look after. yourself like you used to Maybe you re worried about being. alone at night or having a fall or maybe you re starting to feel. Moving into a care home can give you a renewed purpose in. life and could even offer you a chance to meet new people and. start new friendships A care home has trained staff on hand. and possibly specialist equipment that can t be installed in your. home so many of the difficulties and risks you might face at. home are removed, It s normal to feel reluctant about moving into a care home. You may be worried you ll lose your independence or won t see. friends and family as much as you do now You might also be. worried about how you ll pay for it, When I went to view some.
homes with Mum we found, the checklist really helpful. It s perfectly normal to have conflicting feelings After reading. this guide and the suggested resources visiting some care. homes and talking to your loved ones you might feel better. about making the decision that s right for you, Good to know. Once you read through the options in this guide it might. be worth reading our other guides Getting help at home. Adapting your home and Housing options to find out. more about other options that might work for you If you ve. already considered the possibility of getting help at home. or adapting your home but feel you need more support it. probably is the time to think about moving in to a care home. If it is time to think about moving to a care home it can be. tricky to know where to start This guide will help explain. things such as finding and funding a place somewhere We ve. also popped our handy Care homes checklist in the guide. that should be helpful when you visit potential care homes. Getting the ball rolling, Different types of care home. It s good to know what s out there and the different options you. might want to think about There are four main types of care. home each catering for different needs, Care homes have staff who help with personal care things. such as washing dressing taking medication and going to. the toilet They may also organise social opportunities such as. day trips shorter outings and in house activities, Care homes with nursing also called nursing homes offer.
personal care as well as 24 hour assistance from qualified. Care homes with dementia care are designed specifically to. make people with dementia feel comfortable and safe They. often have a qualified nurse with dementia training. Dual registered care homes accept residents who need. both personal care and nursing care This means that if. someone moves in only requiring help with personal care but. their needs increase they won t have to move to a different. home Changing rooms tends to be much less disruptive than. changing home, Care homes can be owned and run by private companies. voluntary or charitable organisations or councils, My wife has dementia. Being in a specialist home, makes such a difference. Assessing your needs, If you re thinking you might need to move into a care home. you should contact your local council s social services. department and ask for a free care needs assessment. What happens in a care needs assessment, A social care professional visits you to ask how you re managing.
everyday tasks and how this affects your wellbeing They will. your health and abilities what you can and can t do what. you struggle to do and what you want to do, your living arrangements. what help you re currently getting if any, the views of anyone you d like involved such as a carer. family close friend doctor or district nurse, your emotional and social needs such as a desire to stay. living near family, your religious cultural and communication needs such as a. wish to attend a faith group, The assessor looks at options with you to see whether home.
care and adaptations could help you continue living at home. before considering whether residential care is appropriate Your. wishes should be considered as much as possible, If you have health needs social care staff are likely to involve. one or more NHS staff so the assessment takes account of. all your needs when considering your eligibility for care and. support and agreeing your care plan A care plan outlines your. needs and what could help meet those needs, The local council has a legal duty to try and make sure your. needs are met safely However if you re still able to make and. communicate decisions you have the right to choose to remain. at home even if it puts you at risk, If you already receive help from social services at some stage. they might recommend you move into a care home If you. are being discharged from hospital health and social care. professionals will carry out a care needs assessment there and. may propose a move to a care home, Challenging the care needs assessment. If you re unhappy with the outcome of the assessment you can. ask the assessor to review the decision, If this does not resolve it you can make a formal complaint.
if you want to Start by writing to the council to explain your. concerns about the situation If you re not happy with the. response you can contact the Local Government and Social. Care Ombudsman page 40 In Wales contact the Public. Services Ombudsman for Wales page 40, NHS care in a care home. If you think you may be eligible for NHS services in a care home. you should be referred for an NHS lead assessment This looks. at whether you re eligible for NHS continuing healthcare or the. NHS funded nursing contribution as described below. If your needs are primarily healthcare needs rather than. social care needs you may be eligible for NHS continuing. healthcare CHC This is based on the nature intensity. complexity or unpredictability of your needs rather than on a. particular health condition or diagnosis It can be provided in. any setting including nursing and residential care homes The. NHS arranges and meets the full cost of your care, If you re not eligible for CHC you may be assessed for the. NHS funded nursing contribution The care home receives a. weekly contribution direct from the NHS towards the cost of. nursing care, Next steps, As eligibility for NHS services is not based on a financial. assessment You may qualify even if you have too much in. savings or income to get help from the council, See our factsheet NHS continuing healthcare and NHS funded. nursing care for more information In Wales see Age Cymru s. version of this factsheet, Paying for care, If following your care needs assessment it s decided your needs.
should be met in a care home and your total assets are worth. less than 23 250 you may be eligible for financial assistance. to help pay for your care in a care home In the following pages. we ll explain this more If you already know you don t qualify for. financial help you can turn straight to Paying for your own care. home place see page 20, Who will pay for the care home place. Following your care needs assessment the council will assess. your finances also known as a means test to find out what. you ll have to pay towards your fees and whether you re. entitled to financial help from the council You ll be asked about. your income including any pensions, your capital the total amount of your savings and other. assets such as shares, any benefits you re eligible for including the Guarantee Credit. part of Pension Credit even if you re not receiving any the. council will assume you re claiming what you can when it. assesses your income, whether you own any property the value of your home is. included in the assessment unless certain people still live. there see page 18 for more information about this, I gave Age UK a ring and.
they helped explained, things for me, Elizabeth 78. When carrying out the assessment the local council must. disregard certain benefits including the Disability Living. Allowance or Personal Independence Payment mobility. components, exclude the income and savings of your spouse civil partner. or partner, ignore half of any private pension you receive if you re giving it. to a spouse or civil partner who continues to live in the family. In England councils have upper and lower limits for financial. help If you have capital assets that are, over 23 250 you have to pay your own fees as a self funder. between 14 250 and 23 250 you qualify for some financial. support from the council, under 14 250 the council pays your fees but you have to.
contribute from your income including pension and benefits. In addition to any income contribution if your capital assets are. between 14 250 and 23 250 you will contribute 1 a week. for every 250 or part of 250 you have over 14 250 So if you. had 15 000 in savings you must pay 3 a week, After the assessment the council calculates whether you. should contribute to the care homes fees leaving you enough. for personal expenses This amount is known as the Personal. Expenses Allowance and is currently 24 90 in England. In Wales there is just a single capital limit of 40 000. and no lower limit If you have over 40 000 you ll, need to pay your own fees and are treated as a. self funder If you have under 40 000 you ll qualify for. some financial support from the council The Personal. Expenses Allowance is 26 50, Getting your head around what you might expect to pay. towards a care home place can be tricky Here are a couple of. John s care home contribution, John is 83 single and lives in a rented flat He has capital of. 5 000 putting him under the lower limit of 14 250 This. capital is therefore ignored in John s means test, However John does still have a weekly income made up of his.
State Pension of 129 20 and Pension Credit of 41 30 giving. him a total weekly income of 170 50, The local council is arranging for John to move into a care home. and after his assessment have decided a personal budget of. 700 a week will meet his care and support needs, This is how the con. You might be thinking about moving into a care home or perhaps you have a relative or loved one who might need to move into a care home soon or in the future Thinking about the move can feel overwhelming Not knowing where to start or who to contact can put you off all together but this guide will help point you in the right direction

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