Funding & Legal Issues
How is care funded?
Many people have no knowledge of how social care is paid for, it is not free at the point of delivery like healthcare and for those who are not entitled to local authority financial support, the costs of paying for care can be high. The new Care and Support Act marks a step forward as it proposes a limit on the costs an individual has to pay for their care. This should come into force in 2016 however, with the limit being set high at £72,000 on the lifetime costs an individual has to pay. There is concern that many people will still have to pay significant amounts for their care. Understanding the process of funding care at home or in a care home, any benefits that may be available, any assistance from the NHS or local authority and where to look for advice will help you in your planning.
Legal issues surrounding needing care
When the time comes to consider formal care and support, it’s important to explore any legal issues and make sure your relative’s affairs are in order.
Have you thought about who will make decisions for your relative if they are finding it tricky or impossible to decide themselves? Who will act in their best interests if they are faced with competing plans for their welfare? When moving towards long-term care it is more important than ever that families have certainty and control over their relative’s situation. Many people are surprised to learn that in the eyes of the law family doesn’t automatically take over on a relative’s behalf. Knowledge of the legal issues around care and support is essential and getting professional advice is recommended.