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THE funding of residential care is a thorny topic and the subject of much controversy. Who pays for treatment – the NHS or local authorities – is a perennial debate that raises the hackles of politicians and campaigners alike. Although big changes have occurred in recent years, it is still a complex subject and here we try to untangle the red tape to outline the latest advice and information…
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Read more... [NHS Continuing Healthcare and NHS-Funded Care]
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IN THIS section we examine some of the state benefits that are available before you reach State Pension age…
Types Of Benefit
SOME state benefits can be claimed as an individual. These are usually based on your national insurance contribution record and are referred to as contributory benefits. Your entitlement to these is not affected by your partner’s circumstances; nor is it affected by savings, capital or other income.
But some other state benefits are means-tested. This means you have to claim as a couple if you live with a partner. A partner means your husband, wife, civil partner or someone you live with as part of a couple. Your savings and income are added together when calculating if you’re entitled to benefit.
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Read more... [Pre-State Pension Age Benefits]
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MANY different avenues are open to you if you wish to lodge a complaint about your local authority. From informal resolutions to judicial reviews, in this section we outline the options available…
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Read more... [Local Authority Complaints]
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UNDERSTANDING your entitlement to social security benefits can be a complex business. But if you are disabled, rest assured that there is a lot of state help available. Among the benefits is Disability Living Allowance (DLA), which aims to help people with an illness or disability live more comfortably as they get older. In this section we examine who is eligible for DLA and how to get it….
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Read more... [Disability Living Allowance]
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MAKING sure you choose the right care home to meet your needs should receive your careful consideration. Some older people may think you have to go into a home designated by your local authority. But that could not be further from the truth. In this section we explain the procedure to select the best care home for you…
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Read more... [Choice Of Care Home Accommodation]
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UNDERGOING a means test can be a fairly daunting experience, especially trying to understand how the various funding formulas work.
In this section we explain the roles of both capital and income in means test assessments…
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Read more... [Means-Tested Benefits and Capital and Income]
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STRUGGLING to cope at home is an all too familiar story for many older people. But there is a lot of help out there. This section explains what help and support is available and how it is funded…
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Read more... [Paying For Care At Home]
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WHEN you move into a care home, the local council will means test your savings, capital and income. If you are over the prescribed limit of £23,250 of capital then you may have to contribute to the cost. This applies to both council-run and private care homes.
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Read more... [Deprivation of Assets]
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LOCAL authorities and the NHS are collaborating more closely to improve the way community care services are provided. In this section we outline the latest changes and explain the procedures involved in securing community care…
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Read more... [Council Assessment For Community Care Services]
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CARER’S Allowance is a state benefit paid to people who care for somebody receiving certain benefits. These benefits are Disability Living Allowance (DLA) care component at the middle or highest rate, Attendance Allowance (AA), and Constant AA (paid with a War pension or Industrial Injuries Disablement Benefit).
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Read more... [Carer's Allowance]
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Advice 
