It has been reported by NFU Mutual that over 1 million people in the UK have sold their home to pay for care fees for themselves or even a loved one. With the average cost of a residential home a whopping £28,500 per year, it is easy to see why they have resorted such drastic measures. The little-known Continuing Healthcare funding programme from the NHS could have helped thousands avoid the all too real struggle of paying for care costs by covering 100% of these fees.
So, what actually IS Continuing Healthcare and how can you avoid paying for care?
Continuing Healthcare is a package of ongoing care which is fully funded by the NHS and covers all care costs where the individual has been found to have a ‘primary health need’. This means that if you or your loved one’s main need for care is a health need, then you could be eligible for NHS Continuing Healthcare funding to cover the full cost of care. The funding is not means tested and is awarded solely on the individual’s healthcare needs. This means that regardless of where the individual is receiving the care, the funding is still applicable.
The National Framework for NHS Continuing Healthcare and NHS-funded Nursing Care defines NHS Continuing Healthcare as:
“‘a package of ongoing care that is arranged and funded solely by the NHS where the individual has been found to have a ‘primary health need’… Such care is provided to an individual aged 18 or over to meet needs that have arisen as a result of disability, accident or illness. …Eligibility for NHS continuing healthcare places no limits on the settings in which the package of support can be offered or on the type of service delivery.”
A lack of awareness of this funding programme means that many people are wrongly paying for care home fees. So, if you (or a loved one) are a UK resident, over the age of 18 and have a ‘primary health need’ you could avoid paying any care home fees.
At Continuing Healthcare Direct we help you gain access to the funding you are entitled to. Our funding experts have extensive knowledge and are here to support you through the process. You can give them a call on 0844 248 3254 or complete our quick survey here to find out if you’re eligible for NHS Continuing Healthcare funding.