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Elderly Care Costs

  Deadline Looming to Reclaim Entitlement to Care Home Fees

If you are a loved one have been paying for your own care since 2004 you may be entitled to make a claim for some or all of these costs to be refunded to you. The pivotal decision depends on many factors but in essence, many people have been paying for their own care when it should have been that assisted them. The way in which assessments are carried out changed in 2007 using different criteria for assessment.

The Government has opened up this claims appeal as there was concern that those elderly people with serious medical and nursing need were wrongly assessed and had to pay for the total cost of care themselves.

Because of the sheer volume of claims being made upon the government now they have issued a deadline for new claims to be submitted of 30th September 2012. Access to free continuing health careon the NHS needs to be tested rather than means-tested, this essentially means that if someone qualified on the ground of their health and medical needs it would not matter if they had assets of not as their care should be funded for free from the NHS.

There are many people who felt that they or their loved one were incorrectly assessed at the time they entered residential care and as a result, failed the needs test for free NHS continuing healthcare. In the interim, they have paid many thousands of pounds in nursing care fees. The ability to make an application for a review now in retrospect could result in the repayment of fees.

Depending on where you live will depend on how long ago you are able to claim for example if you are in England you can claim back fees from April 2004 onwards, Wales you can claim back fees from April 1996 onwards, but from 4th December 2009, you can only claim back fees from April 2003 onwards. In Northern Ireland, you would not be able to claim back fees retrospectively.

Home loans to help pay for elderly Long Term Care

In the last couple of days the Secretary of State for Health Andrew Lansley has announced proposed changes to the way are paid. It was announced that a scheme that should come into force by 2015 would prevent the need for an elderly person or their family having to sell their home in order to cover the costs associated with providing their long term care.

There is in fact already a Local Authority funded scheme in existence that allows this to happen. The deferred payment scheme is not well publicised as many Local Authorities do not have the funding available to cover the cost and those that do offer it have limited funding so the option may be refused. This scheme allows the Local Authority to pay for your care costs in the form of a loan that is secured on your home. The loan will need to be repaid on death or if the property is sold before this time. The loans available on the Deferred Payment Scheme are interest free until 56 days following the death of the individual. At this point interest will start to accumulate on the loan outstanding until the debt is repaid.

The current proposal to extend the home loan for care scheme to all Local Authorities has indicated that there will be interest charged on the loan from the start of the arrangement. Whilst the availability of funding through the Local Authority my offer the individual more options for example, by retaining their home this could be rented out to provide a level of income that can in turn be used to pay some of their care fees, there would still be a danger that if care continued over a long period of time the funds available my run out.

Therefore consideration should be given to selling the home and using the funds that are available to purchase a Long Term Care Plan which can provide you with the security of an income guaranteed for your lifetime to cover the cost of care.

Change of Legislation on Elderly Care

Well, in the last couple of days, a lot has been said and written about the decision taken by the government of the United Kingdom on reforms for elderly healthcare.

A significant number of elderly people living in the United Kingdom need some sort of assistance when it comes to their care. The United Kingdom government has on the 11th July 2012 discussed and come up with reforms that apparently help the elderly through government-backed Local Authority home loans to pay for long term care. This was announced by the Secretary of State for Health, Andrew Lansley.

Andrew has announced that elderly people can now charge their long term care costs to their property in the form of a loan which does not need to prepaid until death.

They felt that it would help to address the rising costs of accommodation and care for the elderly. Other politicians and the general public are keen to know the long term plan of the government around this topic.

Any government committed to the care of the older and aging population needs to make reforms and changes in legislation with the intention of providing to men and women who have been through their prime.

The new proposed changes to the adult social care have received rave reviews and feedback from all sections of society. While the Secretary of State for Health, Andrew Lansley, has mentioned that the proposed changes will ensure that people don’t need to sell their homes to pay for their care, but instead have their care costs secured on their property to be paid off on death or prior sale of the property.

The government has advised the local health authorities to pay for the elderly care of people who cannot afford it right away and they could get their money back by selling the person’s house after their death. Now, while this health reform by the government does not practically use people’s money to get started, there appears to be a lot of questions that remain unanswered.

The Regulation of Long Term Care Homes

There are so many organizations that have been set up to see to it that, the elderly and their long term care needs are always seen to. This is why; even during this time when there is so much stress and financial melt down, the elderly still have long term care homes. One of the many organizations that have been set up to make sure all long term care homes that are responsible in taking care of the elderly are 100% legal and also using the right facilities is the CQC. What happens is that, before any long term care home can set up or launch, it needs to register with the Care Quality Commission (CQC).

Here, there are that are sent to visit your home care to have a search and make sure everything is in its right place. The Care Quality Commission has set rules and regulations that all long term care homes have to stick to in order to be able to get registered. However; there are so many long term care homes that do not pass these regulations so end up not being registered or given the license to operate. Without meeting the expectations needed, there is no way you will be registered also, the regulations differ from one long term care home and the services they would love to be performing as a health care provider to the other.

Also, every long term care home needs more than just the right facilities and a beautiful building to be registered. This is because; cases of complex or elderly care are not something to be joked about. So many elderly have ended up dead because they did not patronize the services of a credible long term care home.

To have an idea as to the right regulations that you will need to meet, it will be best to visit the local chapter or branch of the Care Quality Commission in your area. Also, there are so many Care Quality Commission inspectors you can talk to in order to gain the right understanding as to what you will need to do.

Before anyone can put his or her loved one in the care of a long term care home, they must be sure you can really do a good job to give them the care and love they are paying you for which is why no family that means well will bring their loved ones to you if you are not accredited by the CQC.

Can You Reclaim the Cost of Residential Care?

Reclaiming the cost of residential care is not as easy as it may seem. There are so many people that struggle to pay care home fees, however; the good news for elderly in the United Kingdom is that, if you are one of the many people that have been paying care home fees since April 2004; the probability that you are entitled to care home refunds is high. Long term care is one of the most important stages of one’s life that will always be needed so long as we live, however; making sure all plans are intact will be best.

Many people feel for them are not an option because of reasons best known to them. However; no matter how bad your case may seem, reclaiming the cost of residential care for you is always possible with the right help. If you are wondering whether reclaiming will be possible even after the elderly involved is dead, well yes it is. As long as the deceased paid care home fees since April 2004, you can reclaim the cost.

Although all this sounds very great for families that have had to go through paying very high care home fees since April, 2004; this comes with a deadline. Yes, any family or persons that do not register a claim by the 30th of September, 2012 will be at the losing end. Your right to reclaim the cost of residential care for your loved one or for yourself ends on the 30th of September, 2012. This statement that was issued by the Dept. of Health has made it very important for claimants to move fast in order to pass the deadline.

Hiring the services of a credible health attorney will do you so much good especially if you do not want to be taken for granted in the entire process. Having a health attorney lead and guide you in making claims will be the best move to ensure that you fill the right forms and insert in the right answers to get your money back. For elderly that were very ill with Alzheimer, etc; the chances to get refunds are very high which makes it easy for a lawyer to help the process. There are so many people that have made good money out of this, so make a move only if you know for sure it is right.

The Provision of Elderly Care

For elderly people, life can be very frustrating as aging gets worse especially because they feel they are not in control of their lives anymore. Yes, this scares them and also may make them feel they are a burden which is why it is important as a loved one to make sure they get all the love and support they need no matter what your decision with regards to home care will be. has always come with many concerns over the years as unsurprisingly, the charges keep on going higher.

However; whether you decide on residential home care or care home with nursing; you must make sure only the very best attention and care are given. Also, making sure you are aware of the positives and negatives that come with each of these options will go a long way to ensuring that you are well informed before any decision is taken. There are so many ways by which good long term care for the elderly can be provided but it begins with you and how far you are willing to help your parents, grandparents or other friends or relatives.

Another area that comes with much concern has to do with finances and paying for the selected home care option you decide on. There are so many people that plan ahead by having in place the very best insurance policy to ensure that elderly care for them during their old age is not a difficult issue with regards to finance. However; for those that do not; pensions are always turned to especially if the family is not well off. Having an elderly care plan insurance can go a long way to ensuring that your children or family suffers less which will also make you more independent.

Some elderly even end up settling with equity release schemes to pay for their long term care. Whether you settle on a residential care home or a care home with nursing, it will be best to make sure that the right facilities that will make your loved one comfortable and also healthier are available.

Residential care homes cost less than care homes with nursing because; with residential care homes, loved ones stay in an environment that caters for their personal care and day to day living a residential home with nursing care will also provide fully qualified nursing staff to cater to their individual medical needs.

How The Dilnot Report Affects Long Term Care

The published in 2011 was commissioned by the coalition government in July 2010. They received a response to the issues raised by individuals and organizations on the provision of care. The commission received over 250 responses from various groups and individuals which included the financial services sector, local authorities and care providers.

The response received was covering the various area of care providers such as the reform of state funding systems, raising additional funds and improvement of advice and information for all concerned.

Overall there was a great support for a joint funding model for individuals and the state to provide care. It was also stated that any reforms made must also support working-aged adults and not just the elderly care. There was also a call for more integration of services because the present system for assessment and provision of long term care is disjointed and does not work effectively. People need to be able to plan for a future that is more certain. If the recommendations of the report were to be adopted the cap on the cost of care to the individual may have opened up the market for providers to design new products to cope with the demand for funding care. The present system of charging and provision of care can cost an individual their life savings.

Currently, the provision of care can be dealt with by many different departments of the Social Care Service, care providers, and the NHS. By having more integrated and streamlined services they can make the funding and provision of care easier to understand. There is no doubt that the current systems for paying for care and for continuing healthcare funding are outdated and need reform, however, the question could be can a government that is under extreme financial constraints provide the changes that are recommended as a result of this report?

Government Proposal to Secure Long Term Care Fees on Your Home

The government has just announced a new proposal to offer homeowners local authority loans to fund the cost of long term care for the elderly. At present, if you have assets exceeding the upper threshold of 23,250 which includes your home you are required to fund the cost of your care yourself. The cost of the home is disregarded however if it will remain the home of a spouse or partner or a relative over the age of 60, an incapacitated relative still lives in it or a child under 16 still lives there and the person needing care is responsible for maintaining them.

If you need to pay for care at present the options for funding may be to sell your home to release the capital, you may consider letting the property out which would generate an income to help with the cost of care. The new proposal by the government is to offer loans which will be secured on your home and would only be repayable on death. This will effectively remove the stress of needing to sell the home straight away. This option will work in a similar way to equity release. They are going to charge interest but at this stage the level of interest is unknown.

Some local authorities run in their localities. These schemes are a loan from the local authority to cover the cost of care and the debt is secured on the home and repaid on death or the prior sale of the property. These schemes have the added benefit of being interest-free until 56 days following death.

Although the proposal of this loan scheme will offer reassurance to the individual or their family that the home will not have to be sold schemes are already in existence that offers similar facilities. This proposal will not cap the costs of care for the individual and in many cases, if you want to ensure the money does not run out, consideration should be given to a long term care plan.

Paying for Your Long Term Care in Scotland

Paying for care is not a small matter. Whether it is care provided at home or in a residential care home, costs of care services can quickly add up to a significant amount. Today, as care during old age has become a ubiquitous need, it is more important than ever to understand the care system and to plan for long term care in advance.

In the UK, the state and the NHS provide help with costs of care to those who may be eligible to receive it subject to a means test in the case of certain benefits, and a needs test in the case of others. The system is different in Scotland, England and Wales. Let us first consider the and its implications on the elderly.

For residents of Scotland over the age of 65, care at home is given free of charge, provided the local council has assessed that care is required. In such a case, the cost of care to be met by the individual is limited to personal living costs and the potential cost of daycare. This type of assistance from the local council does not affect other benefits such as attendance allowance, disability benefits etc.

For long term care to be provided in a residential care home, the regulations are slightly different. While a financial means test is not necessary for those who need care in their own home, such a test is required in Scotland for those who need to live in a care home. Care in a residential facility is divided into three parts the costs of accommodation; costs of nursing care; and cost of personal care.

A financial assessment is undertaken by the local council so that your contribution can be calculated. The threshold amounts change every year and you can find up-to-date information from the social services department of your local council or from a specialist advisor.

While the means test in England and Wales is done to calculate how much contribution is to be made towards all the costs of care in Scotland the means test is only carried out in case of residential care. Also, the means test only applies to the fees for accommodation, and not for the costs of personal and nursing care. As such, the Scottish system for long term care benefits seems more generous than that in England and Wales. As is usually the case in most areas of life.

Where can Carers Turn for Help in Providing Long Term Care for the Elderly?

As people get older they may start to rely upon their family or friends for assistance with minor chores around the house for example cleaning, cooking and shopping or perhaps more personal care like helping them to get up and dressed in the mornings or putting them to bed in the evening. As dependency increases, this can have a major impact on the person who is providing the care.

The demands of the person needing care may start off quite simply but as their needs increase the carer can often find themselves committed in some cases to round the clock care. This level of commitment may come at the detriment to their own family or their career. Caring for someone on a day to day basis can be very stressful and leave you with very little time for yourself.

There are organisations that are able to provide carers with support and which may ease their burden. Organisations that can help include:

It is comforting to know there are organisations available to assist you. They can put you in touch with other people who may be experiencing similar situations. For carers it is important to have access to respite care so that they can get a break.

Rules Governing Deprivation of Capital

If you are no longer capable of taking care of your physical, emotional and mental daily needs, you are in need of long-term care. If you do not have a family member or a friend who will willingly take care of you, you will have to resort to a professional care home or facility. If you qualify, the costs of professional health care can be covered by your local authority or continuing care from the NHS.

  Before the state decides how if a proportion, all or none of the costs of professional long-term care are covered, the assets of the recipient of long-term care are assessed by the state. If the state determines that your assets are sufficient to cover the costs of long term care, the state does not cover any of your long-term care costs except by the provision of Attendance Allowance or Registered Nursing Care Contribution. Deprivation of capital is a common way to get the state to finance the costs of long-term care.

Deprivation of capital is the process of transferring assets out of your name so that they would not be taken along in the means test done by the state to determine whether or not you qualify for state financial aid for long-term care. It is one way that people believe they can be and additionally deprivation can be done in several different formats.

You can transfer ownership of your assets including your house or flat to someone else, you can put some of your money into a trust, make a lump sum payment to a family or friend as a gift, selling your assets for less than market value and reducing your capital by making large expenditures.

The implications of deprthe ivation of capital are simple. The local authority will look very closely at why assets have been disposed of and if they believed that the only reason for the action was to avoid paying for your care costs they could consider you as still having the asset when assessing your ability to pay. This may mean that you may not be eligible for state assistance and will therefor have to pay all of the costs yourself.

Charitable Funding for UK Care Fees

Long term care over the years has proven to be very expensive especially because the elderly are very difficult to take care of. Only expert nurses are trained to take care of the elderly in the UK which is why their service costs are very high. Before you decide on taking your elderly mum or dad to a health care nursing home, it will be best to consider funding and how you will be paying for him or her being taken care of.

The truth is that many people have exhausted their assets to pay for their care because they did not receive any financial advice. However; in the UK today, there are so many organizations that are offering assistance to those with care needs both financial help and also with the loan or provision of equipment. There are some requirements that an individual needs to possess to get approval for such assistance, however.

Now that you know that there is assistance available, it is time to know about the different types of care homes available in the United Kingdom. First, there is a residential care home type. What residential care homes do is that they offer or provide both short and long term personal care for the elderly. However; they cannot be counted on if the resident requires any form of nursing. If the elderly person or person who needs nursing care has a very serious health condition, residential care home with nursing will be perfect.

Depending on the type of residential home you hire, services and the rate at which care is given will differ however; all residential care homes make sure they provide patients with basic care needs. Ever since the government set in to help, long term care the UK has become more regulated because care providers are registered and inspected by the Care Quality Commission.

Also, there is another option which is the nursing home option. The difference between nursing home care and residential home care is that nursing home care is more expensive than residential. Although nursing home care gives you the absolute peace of mind that your loved one has their personal care and medical needs are taken care of 24 hours a day; it comes at a very high cost. However; there are some nongovernmental organizations that provide free nursing home care so you can make good use of their free services.

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  • Benefiting From an Interest Only Mortgage After Age 60
  • What is an Interest Only Mortgage?
  • A Look at Interest Only Mortgages
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  • Why Arent More People Considering a Pensioner Mortgage?
  • Threat for Pension Mortgage Holders
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  • Why Retirement Mortgages Look Good for the Future
  • The Difficulties of Obtaining a Mortgage in Retirement
  • Mortgage in Retirement
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  • How to Find a Mortgage for Someone Aged 60 Plus
  • Where Can I Obtain a Pensioner Mortgage to Help Purchase My New Retirement Home?
  • Factors to Consider before Taking a Mortgage into Retirement
  • The Scary Term: Mortgage in Retirement!
  • Surely I Cannot Have a Mortgage in Retirement?
  • The Value in Mortgages for Pensioners
  • Market Review of the Stonehaven Interest Select Lite Plan
  • Consider an Interest-only Lifetime Mortgage
  • A Lifetime Mortgage for Retirement
  • Interest Only Lifetime Mortgage Inheritance Protection
  • Understanding a Lifetime Mortgage or also known as a Reverse Mortgage
  • All Lifetime Mortgages Explained
  • Releasing Equity for Mobility with Lifetime Mortgages
  • The Definition and Types of Lifetime Mortgages
  • Lifetime Mortgage Explained
  • Dont Be Afraid to Ask a Question about Your Lifetime Mortgage!
  • Time for a Lifetime Mortgage Review
  • A Lifetime Mortgage to Release Equity
  • How Your Health Can Affect a Lifetime Mortgage
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  • Why Should You Choose an Equity Release Lifetime Mortgage
  • Compare Lifetime Mortgages
  • Equity Release Mortgage
  • Will UK House Prices Fall Because of Brexit?
  • What is a Financial Introducer?
  • Drawdown Equity Release
  • Best equity release interest rates 2.96 with One family Lite Plan
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  • Buy To Let Second Home Equity Release
  • Equity release for pensioners in retirement
  • Plan for retirement with better rates of Equity Release
  • Equity Release Calculator
  • Compare Equity Release
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  • Equity Release Mortgage providers
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  • Calculate the equity in my home
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  • Legal and General Equity Release
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  • Lifetime Mortgage

    Lifetime Mortgage

    Home Equity Release

    Home Equity Release

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    Nationwide Equity Release

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    Releasing Equity From Your Home

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    Age Concern Equity Release

    Equity Release Explained

    Equity Release Explained

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    Key Advice Equity Release

    Equity Release Lifetime Mortgage

    Equity Release Lifetime Mortgage

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    Lifetime Mortgage Providers

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    More To Life Equity Release

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    Lifetime Mortgage Explained

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    Maximum Equity Release


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