Comprehensive Nursing Home Support Scheme Advice in Wexford

The Nursing Home Support Scheme or Fair Deal Scheme, is organised by the Health and Security Executive (HSE) Ireland. The scheme provides financial support to Irish individuals that require long term nursing home care. The funding system works with a contribution paid by the applicant based on their financial condition, while the state Government will pay the balance.

Though there is no limitation for the number of applications, the HSE reserves the right to choose who gets the grant based on some ground rules. Therefore, getting the grant involves a step by step verification procedure, from assessing the applicant’s cost of care to calculating their contribution. The assessment procedures, as simple as it may sound, often turns up to be a cumbersome process for individuals and families. Moreover, applicants that are alone and suffer from dementia and other chronic ailments, find it seemingly impossible to get through it.

This is where a Fair Deal guide or agent, such as Fair Deal Advice comes into the picture. The agency started with their Nursing Home Support Scheme Advice Wexford establishment. Now they operate nationwide. With a fee paying service, the agents give applicants impartial and independent guidance to get through the Fair Deal Scheme assessment process, moreover, help them take advantage of the maximum benefits of the grant.

This is where a Fair Deal guide or agent, such as Fair Deal Advice comes into the picture. The agency started with their Nursing Home Support Scheme Advice Wexford establishment. Now they operate nationwide. With a fee paying service, the agents give applicants impartial and independent guidance to get through the Fair Deal Scheme assessment process, moreover, help them take advantage of the maximum benefits of the grant.

Understanding The Nursing Home Support Scheme

The rules of the Nursing Home Support Scheme entails that individuals will have to make a contribution towards their cost of care. This contribution, in all cases, is 80% of their cash asset and 7.5% of non-cash asset. Cash asset is denoted as gross income, including pension, savings, shares, stocks, Government allowance, or passive income by renting out property, or business profits. Non-cash asset denotes any property, land, farm, investment property and the likes.

There two major assessments that every applicant has to go through. The first is based on their medical condition, the “Care Needs” assessment, wherein, the HSE consults with your doctor, or appoints their own doctor to examine your health and structure a long term plan of all the things you are going to need at a Nursing Home Care. Based on your care needs, your “Cost of Care” is estimated. Next up, is the Financial Assessment, wherein the HSE looks into your entire financial status, and estimates how much you should be paying.

In situations when the applicant has a spouse, who has legal right to the income and assets, in that case, the contribution will be lessened 50%, down to 40% and 3.75% on your assets.

Another option you have, if you want to opt for deferring the payment against your properties. With the Ancillary State Support or Fair Deal Nursing Home Loan scheme, you can delay the payment of 7.5T or 3.75% against your property until your death. The property will taken in by the HSE, after your death. The balance amount of the sale value of the property, will be given back to the applicant’s family. It’s works much like mortgaging.

This framework can be often intervened with issues like family inheritance, and losing out 80% of the income. Regarding the Fair Deal Scheme Cork alone has a long list of applicants waiting to get approval, same with other cities. So the assessment process takes the more time that what it takes to get the results. So when you have a guide close by, things become easier to prevent unnecessary delay in the process due to some glitches in the code of conduct.

The Fair Deal Advice — Nursing Homes Support Scheme Guide Cork