Welcome to Fair Deal Advice

Professional Fair Deal Advisors for the Nursing Home Support Scheme – Fair Deal

Welcome to Fairdealadvice.ie. We operate a nationwide private and confidential fee paying advisory service for people seeking information and advice on the Fair Deal – Nursing Home Support Scheme. While information is available on websites many of our Clients have found the process of applying for the Fair Deal -Nursing Home Support Scheme cumbersome, confusing, complicated and stressful. Our service is designed to help you to apply and complete the application forms in a timely and stress- free manner ensuring that you will be granted the Fair Deal- Nursing Home Support without delay.

Our private and confidential advisory service includes:

  • • Information on the-Nursing Home Support Scheme -Fair Deal and how it may impact the applicant’s assets and income.
  • • Planning for the Nursing Home Support Scheme.
  • • We can complete your Nursing Home Support Scheme Application.
  • • Step by Step guide to applying for the Nursing Home Support Scheme-Fair Deal
  • • Information and advice on the Nursing Home loan scheme and what it means for you.
  • • Advice for those who may be concerned about the impact of the Fair Deal on their Pensions and other income.
  • • We can provide estimated calculations of what contributions you will be paying and the estimated Nursing Home Loan if you have assets.
  • • Advice on why you should have a Power of Attorney in place
  • • Advice on capacity issues and what can be done to resolve.
  • • One to One consultations are available
fair deal nursing home scheme
fair deal scheme

500+ Successfully

completed cases

fair deal scheme

500+ Successfully

completed cases

fair deal scheme

500+ Successfully

completed cases

What is the Nursing Home Support Scheme-Fair Deal

Nursing Home Support Scheme

The Nursing Homes Support Scheme is a scheme of financial support for people who need long-term nursing home care.
Under the Nursing Homes Support Scheme, you will make a contribution towards the cost of your care and the State will pay the balance. This applies whether the nursing home is public, private or voluntary
The amount of contribution you will have to make towards your weekly Nursing Home Costs will depend on your income and if you have any, the value of your assets.

How to Apply

for the Fair Deal Scheme in Ireland?

In order to qualify for the Fair Deal- Nursing Home Support scheme, the applicant must complete two assessments which are as follows:

1) The Care needs assessment. This is an assessment that looks at the care needs of the older person, their ability to live independently, ability to make everyday decisions and examines what available supports are at home and in the community. In order to qualify for the Fair Deal- Nursing Home Support Scheme the applicant’s assessment will need to recommend long term care as existing supports and home care will not meet the applicants care needs.

The Care needs assessment is carried out by healthcare professionals such as a Geriatrician or a District Health Nurse who will need to meet and assess the applicant.

2) The Financial Assessment. This looks at the income, assets and liabilities of the applicant and determines the applicant’s contribution to their cost of care and the corresponding level of financial assistance (“State Support”) that they will receive. Under the Scheme the applicant will pay 80% of their income and 7.5% of the value of any assets you may have per annum. These figures are reduced for couples.

3) Application for Ancillary State Support – The Nursing Home Loan
Under the Nursing Home Support Scheme, you do not have to pay the asset contribution during your lifetime. The HSE pays this element of your assessed contribution towards your cost of care which will be accumulated as a loan (Called the Nursing Home Loan) and collected by the Revenue Commissioners from your estate after your death. The loan will be registered as a charge on your property. Where you have a partner living in your family home this debt can be further deferred if funds are not available to pay the loan from your estate. This is a complex area and we will happily discuss how it will impact the applicant’s personnel circumstances.

Call Now: 086 601 5042
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When to Apply for Nursing Home Support Scheme -Fair Deal?

Nursing Home load (“Ancillary State Support”)?

The Fair Deal – Nursing Home Support Scheme can take from four to six weeks once the application is received to be approved. This does not include the time taken to complete the forms and gather the supporting information that will be required. Where an applicant has Assets such as property this will take longer as the Nursing Home Loan will have to be applied for which will require additional information such as property details and valuations and will need your Solicitors involvement as the loan will be registered as a charge on the property.

The Fair Deal- Nursing Home Support Scheme can be applied for up to 6 months before it has to be taken up and if not required at that point can be applied for again. We would recommend that as soon as you feel that you or your Family member is or is unlikely to be able to be cared for at home in the near future that you apply for the scheme.

If your Family member has to be admitted to a Nursing Home prior to the Fair Deal being applied for or approved due to a significant deterioration in health, you or your family will need to fund the cost of the Nursing Home until your Fair Deal- Nursing Home Support Scheme application is approved. With the average cost of Nursing Care at over €1,000 per week savings will be depleted very quickly and unless you can demonstrate that you have the resources to pay these costs Nursing Homes are unlikely to admit a Resident without Nursing Home Support Scheme funding in place.

In certain cases where a potential Resident is in a public hospital transitional care funding may be provided to cover the cost of care while the Fair Deal Nursing Home Support application is being processed but this is not guaranteed and certainly not available if being discharged from a private hospital. Please note Private Health Cover will not pay for Nursing Home care other than short term convalescence. Unlike public hospitals, Private Hospitals will discharge patients in need of long term care as the private health insurers will not fund delayed discharges for patients who need long term care and are awaiting Fair Deal- Nursing Home Support approval.


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What does the Nursing Home Support Scheme – Fair Deal Cover?

The Fair Deal- Nursing Home Support Scheme covers the following items:

  • • Care in a Nursing Home appropriate to the care needs of the individual
  • • Bed and Board and laundry service
  • • Certain therapeutic activities and some aids and appliances needed to assist with the activities of daily living.
  • • Medication and GP Charges and some appliances and aids will be covered by the Resident’s medical card. If they do not have a medical card the Resident or their family will need to cover this cost. Certain dressings are not covered by the medical card and must be funded by the Resident or their Family.
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The Fair Deal does not cover the following items which the Resident or their Family will have to pay.

  • • Hairdressing,Physiotherapy, Aromatherapy,Chiropody etc
  • • Newspapers and magazine
  • • Taxis to Hospital/ Doctor’s Appointments
  • • Toothpaste shampoo’s clothing and other personal care items.
  • • In addition to the above most Nursing Homes now charge a weekly fee for activities and entertainment which is not covered by the Fair Deal.
  • • Sky TV if required and available.
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About Us

Fairdealadvice.ie is owned and operated by Tom Murray & Associates a firm of Accountants who have been providing advice on the Nursing Home Support Scheme – Fair Deal since it was introduced in 2009. Tom Murray who heads up the firm is a qualified Accountant and is a Fellow of the Chartered Institute of Management Accountants (FCMA). Tom has extensive knowledge of the Fair Deal and of Nursing Homes having successfully run a Nursing Home for over 7 years. While our offices are located in County Cork we provide a Nationwide service for those seeking information or applying for the Nursing Home Support Scheme- Fair Deal.

We Provide a private and confidential advisory service for those who are:

  • Seeking information on the Fair Deal and how it may impact their assets and income.
  • Planning for the Fair Deal.
  • Advice and completion of Fair Deal aplications.
  • The Nursing Home loan scheme and what it means for them.
  • Concerned about the impact of the Fair Deal on their Pensions and other income.
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HOW WE CAN HELP / Contact us
Call: 086 601 5042 Email: advice@fairdealadvice.ie | Follow us on:-

    Based on 28 reviews
    Mary Collins-Smith
    Mary Collins-Smith
    We contacted Tom for advice on my mothers care when my sister and I traveled to Ireland to visit our mother who was waiting to be discharged to a Nursing Home from CUH. His advice was thorough and he was able to assess my mothers financial needs very quickly. His expertise, follow up, and professionalism were highly evident. Tom sees things through and he takes his professional role seriously. We will continue to refer to Tom on my mothers loan application process for her care. I am relieved to have found someone like Tom to help us navigate the nursing home process. A million thanks, Tom for all your help! I am happy to know you.
    Mary O'Driscoll
    Mary O'Driscoll
    Tom is exceptional. His calm, reassuring expertise and ability cuts through the mind numbing complexity of the Fair Deal and supports when you are making difficult & heart-breaking decisions. Our Dad had died unexpectedly just days after our mother had transferred in an emergency situation into full-time care. Thus, the original Fair Deal application was null & void. We were dealing with grief, anxiety over our mother’s care and dread over how her care would be funded. After one discussion with Tom, a weight lifted off our shoulders and we had a clear approach to manage our revised Fair Deal application. If I had known of Tom’s existence, I would have persuaded my Dad to have spoken to him years ago. He would have put my Dad and all of us on the best financial pathway to not only provide the best care for my mother but would have removed the dread and fear that my Dad felt, believing he was going to lose everything trying to fund my mother’s care. My advice would be to contact Tom years in advance of needing care funding; ask him to do a Fair Deal financial assessment and create a financial plan. You will sleep better at night!
    Jim Dore
    Jim Dore
    I was directed to Tom by my attorney in July, regarding my mothers accelerated need for full time care. Living overseas and not knowing what I didn't know, Tom was a phenomenal resource to help me understand the ins & outs of the long term care options. It is by far the best investment one can make before proceeding down this path, absolutely invaluable advice & insight. Not cheap but you certainly get what you pay for - from the moment I reviewed everything with Tom, I had a huge sense of relief about the process.
    Bastable-Warren Irish-Dancers
    Bastable-Warren Irish-Dancers
    I have had the privilege of using the service on 2 separate occasions and I can honestly say that it was the most professional service I received in the area of providing advice around that fair deal System run by the HSE. The cost of the service was more than out weighed by the savings accrued as a result of Toms expertise and advice throughout (several thousand euro in savings) We were so lucky to have an expert such as Tom who provided information, expertise and most of all personal advice during the entire process and cannot thank him enough for his support and assistance.
    Brian Mac manus
    Brian Mac manus
    Tom Murray Fair Deal was a huge help to us. He guided us the whole way through. His advice is impeccable. He responds to phone calls and e mails immediately and produces documents almost in real time. I could not emphasise too strongly the help Tom provided. Worth every penny. Thanks Tom.
    Bernie Walsh
    Bernie Walsh
    I contacted Tom for advice regarding the Fair Deal Scheme as my mother required full time care in a nursing home. Tom's expertise and advice was invaluable. He made the whole daunting process very easy. He had a list of required documents (some that I didn’t know I would need). He took the pain and worry out of the whole process and put my mind at rest. I cannot recommend Tom and this service highly enough. I consider this to be money well spent. Thanks Tom.
    Tracey Moloney
    Tracey Moloney
    Once you make the first call to Tom regarding the Fair Deal Scheme , he makes it all very easy to understand and navigates you easily through the process. The thought of Fair Deal can be daunting for any family but with Tom's assistance and knowledge of the scheme it was an easy process.
    Kieran Boyle
    Kieran Boyle
    Excellent advice, very professional
    Liz Lyons
    Liz Lyons
    We contacted Tom with regard to my parents needing Nursing Home care and the Fair Deal process. Tom's advice was absolutely invaluable to us and without his help we wouldn't have been able to get through this daunting and difficult process. We can't thank him enough for his advice and support and would have no hesitation in recommending him.

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