Written answers

Tuesday, 21 March 2017

Department of Health

Nursing Homes Support Scheme Eligibility

Photo of Charlie McConalogueCharlie McConalogue (Donegal, Fianna Fail)
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989. To ask the Minister for Health the supports, financial or otherwise, that are in place for a family to take a person (details supplied) home to Ireland from England; and if he will make a statement on the matter. [14054/17]

Photo of Helen McEnteeHelen McEntee (Meath East, Fine Gael)
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The Nursing Homes Support Scheme (NHSS), commonly referred to as A Fair Deal,is a system of financial support for those in need of long-term nursing home care. Participants contribute to the cost of their care according to their income and assets while the State pays the balance of the cost. The Scheme aims to ensure that long-term nursing home care is accessible and affordable for everyone and that people are cared for in the most appropriate settings. The applicant can choose any public, voluntary or approved private nursing home. The home must have availability and be able to cater for the applicant's particular needs. In order to apply for the Scheme, an applicant must be ordinarily resident in the State (i.e. living in the State for at least a year or intending to live in the State for at least a year). The Scheme does not cover transportation costs.

The NHSS covers the cost of the standard components of long-term residential care which are:

- Nursing and personal care appropriate to the level of care needs of the person;

- Bed and board;

- Basic aids and appliances necessary to assist a person with the activities of daily living; and

- Laundry service.

A care needs assessment is carried out to identify whether or not an applicant needs long-term nursing home care. If long-term care is indeed required, a financial assessment is then carried out by the HSE to determine how much a participant in the Scheme will contribute to the cost of their care. Participants in the Scheme contribute up to 80% of their assessable income and a maximum of 7.5% per annum of the value of assets held. In the case of a couple, the applicant’s means are assessed as 50% of the couple’s combined income and assets. The first €36,000 of an individual's assets, or €72,000 in the case of a couple, is not counted at all in the financial assessment. The capital value of an individual’s principal private residence is only included in the financial assessment for the first three years of their time in care.

The nursing home loan (Ancillary State Support) is an optional benefit of the Nursing Homes Support Scheme, the purpose of which is to ensure that a person does not have to sell their home during their lifetime to pay for long-term nursing home care. Where a person’s assets include land and property in the State, the contribution based on such assets (7.5% of the value of such assets per annum) may be deferred. The loan can be repaid at any time but will ultimately fall due for repayment upon the applicant’s death.

The Scheme has a number of important safeguards built into the financial assessment which ensures that:

- Nobody will pay more than the actual cost of care;

- An applicant will keep a personal allowance of 20% of his/her income or 20% of the maximum rate of the State Pension (non-Contributory), whichever is greater. This is in recognition of the fact that, although the NHSS covers core living expenses, residents can still incur some costs in a nursing home, such as social programmes, newspapers or hairdressing;

- If an applicant has a spouse/partner remaining at home, he/she will be left with 50% of the couple’s income or the maximum rate of the State Pension (non-Contributory), whichever is greater;

- If both members of a couple enter nursing home care, they each retain at least 20% of their income, or 20% of the maximum rate of the State Pension (non-Contributory), whichever is greater;

- Certain items of expenditure, called allowable deductions, can be taken into account for the financial assessment, including health expenses, payments required by law, rent payments and borrowings in respect of a person’s principal private residence;

- A person’s eligibility for other schemes, such as the Medical Card Scheme or the Drug Payment Scheme, is unaffected by participation in the Nursing Homes Support Scheme or residence in a nursing home.

I note that the Deputy has indicated that the individual in question is dependent on social welfare. The applicant or his family can obtain further information on the supports available through the Scheme, including a list of public, private and voluntary nursing homes in Ireland, from Nursing Homes Support Offices located throughout the country. Contact details are available from the HSE website at.

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