Starting the process
In an ideal world, the choice of arranging care for yourself would be your decision, but the urgency of arranging care can sometimes be triggered by an unexpected hospital admission or medical condition.
Planning in advance
Advanced planning can avoid the stress or any miscommunications with regards to your wishes for the future.
- Would you like to remain in your own home? If so, you could choose your carers and build up relationships with them over time. Also building up the level of support as you need it.
- Would you like to move to an alternative home? This could be anything from down-sizing to a bungalow or ground floor flat, or moving to sheltered accommodation.
Care at home
The good news is that there is a huge amount of support available for assisting an independent life in one's own home. This can range from dog walking and help with shopping, to 24 hour personal care. How can this be arranged?
- Access support from a charitable institution
- Ask your local authority
- The Scottish Government continues to fund free personal care for those aged 65 and over who require it. Approval is typically following a referral by the GP (or hospital doctor) to the social work department which carries out the assessment.
Care in a residential or nursing home
There are a lot of nursing homes to choose from, and at Morton Fraser, we have a lot of clients living in a number of local homes and are happy to give you our honest feedback.
How much will this sort of care cost me?
If you intend to privately fund your care, a figure of £50,000 pa would not be far off the mark. But if you cannot afford to arrange a home privately, the social services department are at the heart of the process.
Here is a simple breakdown of what you can expect:
• Means tested by local authorities and based on nationally set rules. Most of your income (inc pensions) and capital will be taken into account.
Personal Care Costs
• Subject to an assessment, you will receive £171 per week.
Nursing Care Costs
• Subject to an assessment, you will receive £78 per week.
What else do I need to think about?
It is important to note that if you do qualify for free personal care/nursing care costs then you may lose you entitlement to Attendance Allowance or the Care Component of Disability Living Allowance, should you be receiving theseWhen looking at means testing for the accommodation costs, assessments for married couples and civil partners include a half share of any joint assets.
Capital tied up in your existing home which would be part of the means testing carried out by the Social Services but only if you have no spouse, civil partner or dependant over the age of 60 living with you.Everyone is entitled to make decision about their property and you may decide to give this as a gift to a family member. There are risks involved with this under the 'deliberate deprivation' rules and we can advise you about this and also tax planning aspects of such gifts.
How can Morton Fraser help?
We understand that it can be daunting when faced with these issues for the first or only time, and it is not necessarily clear who has the answers. We are well used to dealing with these issues and have a dedicated team of people who help out clients in a variety of ways.