Nursing Home Support Scheme In Limerick

Fair Deal Scheme: Financial Support For The Elderly Living In Limerick

Fair Deal Scheme is nothing but an alternate name given to the Nursing Home Support Scheme, introduced way back in 2009, by the Health Service Executive (HSE) to tend to the financial crisis encountered by the elderly in managing costs associated to long-term nursing home care. Since then it has been operational all across Ireland, including Limerick and has helped reduce the financial burden of many.

The best part is that there’s no discrimination practised by HSE, indicating the right to avail so, by even the most ordinary of citizens. The same proceeds when elderly residents contribute towards their cost of care, while the State bears the balance. Again, a remarkable aspect is that it applies to almost every nursing home, be it private, public or voluntary.

Essentially, it initiates with interested applicants contributing a specified portion of their income and assets to the cost of care. Typically, 80% of the prior and 7.5% of the latter is charged annually. By assets, the scheme pinpoints at property and land. In the case of one’s family home, the contribution stretches only for 3-years from the aggregate value of assets. Such conditions, along with other terms, are best interpreted by a specialist, typically referred to as a fair deal advisor. Fair Deal Advice, hosts similar such professionals, who are experienced enough to take Limerick citizens through the process in a breeze.

Fair-deal-scheme What Do You Mean By Nursing Home Support Scheme In Limerick?

NHSS is a social welfare plan undertaken by HSE to cover only long-term nursing home care services. Featured under it are nursing, maintenance, personal care, bed and board, laundry services along with other basic aids, necessary for the day to day living of an elderly or disabled person. With the support of this scheme, many from Limerick hospitals, requiring no acute care, moved into long-term care to live a better life.

Like them, every applicant has to process a fair deal application, walking them through 3 basic steps. Check them out below:

1. Care Needs Assessment– under it, the seriousness of the situation is measured by the HSE to check whether NHSS is the only way out for an elderly.
2. State Support– under it, the financial condition of an applicant is examined by looking up at the assets and income of the same person. This is done to finalise one’s contribution to the cost of care and the State support offered to fill up the gap.
3. Nursing Home Loan– this is nothing but the amount lent by the State on behalf of an applicant willing to delay the payment that he/she is entitled to.

Coming to deductions concerning income, the following are observed:

•Payments going into the maintenance and care of a spouse or a child and even an ex-spouse
•Contributions going into the payment of income tax and social insurance. Levies are also counted under it
•Rental payments for Limerick applicants who live with a child or spouse under the same roof
•EMIs on home loans or investments for the repair of one’s residence
•Health expenses, apart from the contributions going into NHSS

Advisory Services Rendered Under Fair Deal Advice In Limerick

Availing Nursing Home Support Scheme in Limerick is not as easy as it appears. From jargon to complications, several obstacles come in the way. Only a professional, versed in the same, smoothens the journey taken in anticipation of successful submission of fair deal application. Fair Deal Advice is one such renowned independent body, forwarding confidential advisory services to the residents of Limerick, who choose to apply for NHSS in time and without much hassles.

Here are the advisory services covered under it:

•Provide essential information on NHSS and the way it intends to change your life for the better
•Help you plan it under a one-to-one consultation
•Fill up the fair deal applicationon your behalf
•Guide you through the elaborate process
•Show you the way out through Nursing Home Loan, in case you feel burdened by your contribution
•Make you feel at ease by calculating your contribution on your behalf
•Provide suggestions on how to resolve capacity issues
•Explain to you about the benefits of involving a Power of Attorney

How Helpful It Is To The Elderly Living In Limerick

Fair Deal Scheme makes an elderly person living in Limerick feel light and at ease by involving the Irish Government to share the person’s financial burden in availing the long-term nursing home care. The responsibility of applying for the same to HSE is taken up by fair deal advisors, who specialise in NHSS and its elaborate terms and conditions. To all those who are clueless at the moment, go ahead and hire Fair Deal Advice in Limerick. We shall walk you through the process in a breeze only to bestow unmatched benefits of Nursing Home Support Scheme upon you!

EXCELLENT

Based on 31 reviews

Corinne Culloty

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…

Conor O'Kane

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.

Ursula Scarrfecody

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 .

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

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

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

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

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

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.

Fair Deal Nursing Home Scheme Limerick Ireland

Fair Deal Scheme: Financial Support For The Elderly Living In Limerick

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