I am delighted to have Chris Moon-Willems as a guest writer for Caron Cares.
Chris is a published author, qualified and registered social work professional, Fellow of the Centre for Welfare Reform, Master NLP Practitioner and life coach with extensive social care, NHS and personal experience.
Chris has appeared on TV, been interviewed on national and local radio and is a sought after public speaker as well as being a published author and I am extremely grateful for her taking the time to write occasionally for me despite her already very heavy workload. Thank you Chris.
Here is Chris’s first article.
Why Care of Our Old Folk Has To Be Paid For
Throughout my career in social services and in my current role as managing director of my elderly care consultancy I find that people are shocked and surprised when they learn that they have to pay for the care of their elderly partner or relative. I believe the reason for this is that people generally get social care confused with the NHS. I will therefore try and explain the difference.
With a few exceptions, such as the contribution towards prescription charges, NHS services are free whereas social care services are means tested.
To satisfy the criteria for social care support, an individual has to have a significant or critical level of need, minimal savings and assets of less than £23,500 (including their home if they own it)
At best people have to pay a contribution towards the cost of their care and at worst, they have to pay the total cost. A small minority does not have to pay anything, typically people on very low incomes and savings of less than £14,000.
People often think that Alzheimer’s disease and other types of dementia come under the NHS and are therefore free. Unfortunately this is not the case unless the person has a ‘health’ need, in which case they may be eligible for NHS Continuing Healthcare, which of course is free.
Eligibility for Continuing Healthcare support and funding is determined on the basis that someone’s primary care need is a health need. A primary health need is determined by:
• The nature or type of condition or treatment.
• The complexity – symptoms that are difficult to manage or control, or by their intensity – one or more needs which are so severe that they require frequent and skilled treatment.
- The unpredictability – unexpected variable needs that are difficult to manage and present a risk to the individual or others.
I hope by now you can see that other than in a small number of cases, people at best have to contribute towards the cost of their care and many have to pay the full cost of their care.
You will find the following website helpful to find out if your elderly loved one may be eligible for social care, NHS funding or welfare benefits
This is Chris’s book.
To learn more about her book and order your copy today please use the link below.
You can find out more about Chris by visiting her website www.relativematters.org or phone her on 0845 319 4870