Fair Deal Advice Blog

Are you or your Relative overpaying for your Nursing Home care?

Due to lack of advice when entering the Fair Deal/Nursing Home Support Scheme I estimate that over 90% of all applicants end up overpaying for their long- term care under the Fair Deal Scheme.

These overpayments usually occur in three areas:

• • Not completing the application form correctly and not claiming for deductions that the applicant is entitled to and assuming the HSE assessment is correct.
• • Having submitted the application and gaining approval and funding forgetting about it and not seeking an annual review for reductions in cash assets from funding the contribution to care and other costs that the applicant or their spouse will have incurred.
• • Not availing of taxation savings on the Care fees incurred on an annual basis.

When you hear people say that the Fair Deal took all my Parents/ Relatives money, failure to do the above certainly will not have helped the situation. The Fair Deal is fair. It is not designed to take all the Applicants funds and Assets but the HSE and the Fair Deal Scheme are not telepathic and do not have visibility of your assets reducing. Remember if you do not ask you do not get.

Do not underestimate the complexity of the Fair Deal. When you take out a pension or a mortgage you would normally get advice before taking on the commitment. Nursing Home care regardless of whether you are in or not in the Fair Deal is expensive and is a financial commitment often exceeding that of a pension or mortgage payment each month. Therefore, I strongly recommend that you contact www.fairdealadvice.ie before entering the scheme or if you are planning long term care for yourself or a relative. The advice will save you money from day 1 as you will know how to manage the scheme with our expert advice for the duration of the Applicant’s time in the scheme and long- term care.

If you or your relative are already in the Fair Deal and not doing the above, contact Tom Murray @ advice@fairdealadvice.ie or phone 096 601 5042 or visit www.fairdealadvice.ie today and let us help you save money on yours or your Relatives long term care.

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 Corinne Culloty 
 
 
 
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The Fair Deal process can be cumbersome, complicated and hugely stressful. Tom’s guidance, support and reassurance have been invaluable to our family. He is calm and composed in his approach, rational and practical in his assistance and always responsive, whether by email or phone, while furnishing us along the way with much valued spreadsheets and back-up material. I just wish we had engaged with Tom sooner…
  
 
  
 
 
 
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 Conor O'Kane 
 
 
 
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Absolutely outstanding service. Highly recommended. Tom has a huge amount of experience with the Fair Deal process. Really helped us navigate the process during a difficult time. Thank-you.
  
 
  
 
 
 
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 Ursula Scarrfecody 
 
 
 
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I cannot recommend Tom's expertise highly enough . His calm and reassuring manner and his knowledge in the field of fairdeal is a breadth of fresh air .When I was at my wits end with a very stressful experience regarding a fair deal application he rang me back promptly . His advise and help were invaluable .I just wish I'd known about this service before I applied . I advise everyone going through this process to seek professional help and you won't go wrong with a phonecall to Tom. Thank you for your help .
  
 
  
 
 
 
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 Mary Collins-Smith 
 
 
 
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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.
  
 
  
 
 
 
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 Mary O'Driscoll 
 
 
 
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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!
  
 
  
 
 
 
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 Jim Dore 
 
 
 
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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.
  
 
  
 
 
 
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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.
  
 
  
 
 
 
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 Brian Mac manus 
 
 
 
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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.
  
 
  
 
 
 
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 Bernie Walsh 
 
 
 
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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.