Is Care for Dementia Patients Free? Funding Options

 In Dementia Care

Usually, the person with dementia will need to contribute to the cost of their care. Your local social services can give you a list of care homes that should be able to meet the needs you discussed in the assessment.

Living with dementia can present unique challenges and securing appropriate care and support is of great importance for individuals and their families.

One common question that arises is whether care for dementia patients is provided free of charge.

There are various options available when it comes to paying for dementia care for a loved one. In this article, we aim to help you navigate through the complexities and make informed decisions.

Key TakeawayIn a Nutshell
Know your loved one’s needsWhat kind of care do they need now, and might they need later?
Do your homeworkResearch care homes online and read those inspection reports!
Visit in personYou can’t get the full picture from a website, go see for yourself.
Look beyond the basicsIs it close by? Do they specialise in the right things?
It’s emotionalDon’t be afraid to ask for support if you’re struggling.
Sort out the money sideGet advice on Power of Attorney and how to pay for care.
Include your loved oneLet them be a part of the decision as much as possible.
Stay in touch with the homeGood communication means the best possible care.

NHS Continuing Healthcare

One potential avenue for funding dementia care is through NHS Continuing Healthcare (NHS CHC). NHS CHC is a care package provided to adults with long-term complex health needs, known as a ‘primary health need.’ It covers both health and social care needs and is not means tested. While having a dementia diagnosis does not automatically mean you qualify, the severity and complexity of the individual’s health needs are considered. If eligible, NHS CHC can cover the costs of personal care and specialist support, including care home costs.

  • Eligibility for NHS CHC is based on a ‘primary health need’ assessment, meaning needs must be primarily health-related, not just social care needs.
  • A dementia diagnosis alone does not guarantee eligibility. Assessors consider factors like cognitive decline severity, mobility limitations, and other medical conditions.
  • If eligible, NHS CHC can cover both health and social care costs, potentially including care home fees.

Local Authority Funding

For individuals not eligible for NHS CHC, local authority funding can be another source of support. Local councils may offer financial assistance for social care services, including dementia care. To determine eligibility, a financial assessment is typically conducted, consideration the person’s income, assets, and care needs. Depending on the assessment, the individual may receive funding to help cover the cost of their care.

Self-Funding

In cases where individuals do not meet the criteria for NHS CHC or local authority funding, self-funding becomes the primary option. Self-funding means that the person with dementia or their family is responsible for covering the full cost of care. While self-funding requires careful financial planning, it offers flexibility and allows individuals to choose the care home or care services that best suit their needs.

  • Care home costs in the UK can vary significantly, typically ranging from £600 to £1200+ per week.
  • Factors influencing cost include location, the care home’s facilities, and the individual’s specific care needs.

Regional Variations

It’s important to note that funding options and policies may vary across different regions. Local authorities may have specific guidelines, and it’s advisable to consult with local social work services departments or care home providers to understand the funding landscape in your area. Additionally, specific schemes, grants, or benefits may be available, and exploring these avenues can help alleviate the financial burden associated with dementia care.

Resources

  • Age UK (https://www.ageuk.org.uk/): Offers advice and guidance on care funding options and navigating the system.
  • Alzheimer’s Society (https://www.alzheimers.org.uk/): Provides information and support specifically for individuals and families affected by dementia, including financial considerations.
  • Local Resources: Search your council’s website or contact local carer support groups for information on regional funding schemes and support options.

Conclusion

While the question of whether care for dementia patients is free may not have a straightforward answer, understanding the funding options available is crucial for planning and accessing the appropriate care and support. NHS Continuing Healthcare, local authority funding, and self-funding are the primary routes to consider. By seeking professional advice, engaging with local authorities, and exploring available resources, you can make informed decisions and ensure that individuals with dementia receive the care they deserve.

At Lidder Care, we understand the financial considerations involved in dementia care and are here to assist you in navigating the funding landscape. Our compassionate team providing exceptional care and support tailored to the unique needs of each resident. Contact us today to learn more about our dementia care services and how we can assist you in your journey towards finding the right care for your loved ones.

Disclaimer: The information provided in this blog post is for general informational purposes only and should not be considered as financial or legal advice. Funding options and policies may change over time, and it is advisable to consult with relevant authorities or seek professional advice when making decisions about dementia care funding.