As people get older, there comes a point when they need additional help to live independantly or may require nursing care. So if you have a family member in this situation, here are a few facts.
Step 1: Ask your loved one's GP for advice or contact the local authority's social services for a needs asssessment. A social worker will decide whether they qualify for support and organise their care package.
Step 2: Those eligible for local authority support will be given a means test, including the value of their property (unless a partner is still living there, or they themselves will continue to live in their own home). Below a certain level of assets, the local authority may fund care completely or partially. They may also be eligible for some NHS contribution towards care.
Those who expect to fund their own care should still ask for a local authority assessment to identify the type of care needed. You can ask for a re-assessment at any time - especially of someone's health deteriorates or they financial position worsens.
Over-65s may qualify for an Attendance Allowance, a non-means tested benefit towards care.
Step 3: Choose the right care option. To find a good care home start with the Care Quality Commission (cqc.org.uk) for a list of local care homes and inspection reports. Also try findmegoodcare.co.uk
Meet the home's manager and chat to staff, residents and their families. Does it have a warm and friendly atmosphere? Are staff caring? Is it clean and maintained? Arrange for a trial period. Selling or ending the tenancy on your loved one's existing property should be left until the move is permanent.
Step 4: Anyone caring for someone for at least 35 hours a week can apply for a Carer's Allowance. If you don't qualify for the allowance, still claim as you may get Carer's Credit and/or contributions to your state pension. Ask for an assessment from social services to see if you qualify for support; this may include respite care. You also have the right to request flexible working from your employer under the Work and Families Act 2006.
Feature in Good Housekeeping October 2013
