Local Funding & Support for Elderly Care in Stoke-on-Trent

Understanding the Cost of Elderly Care

Care fees vary depending on the type of care required ranging from basic personal assistance in a residential care home to round-the-clock nursing care or dementia support. Before exploring funding, it’s important to understand the average expenses involved:

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Key Sources of Financial Support in Stoke-on-Trent

1. Local Authority Funding (Means-Tested)

Stoke-on-Trent City Council may fund part or all of the care home fees based on a financial assessment. This takes into account:

- Income and savings
- Property ownership
- Types of benefits received

If your total assets are below £23,250, you may qualify for partial or full support.

2. NHS Continuing Healthcare (CHC)

If the care needs are primarily medical, the NHS may fund the full cost of care, including accommodation. Eligibility is based on a comprehensive clinical assessment and is not means-tested.

3. Funded Nursing Care Contribution

For individuals in nursing homes who do not qualify for full CHC funding, the NHS provides a weekly contribution towards nursing costs (currently £219.71 per week in England).

4. Attendance Allowance

A tax-free benefit for people aged 65+ who need help with personal care due to illness or disability. Paid at two rates depending on need.

5. Deferred Payment Agreement (DPA)

If you own a property, you may be eligible for a Deferred Payment Agreement through the council, allowing you to delay paying care fees until the property is sold or the individual passes away.

How to Apply for Funding in Stoke-on-Trent

1. Request a Care Needs Assessment from Stoke-on-Trent City Council.

2. Undergo a Financial Assessment to determine what contributions you are expected to make.

3. Explore NHS options if health-related needs are dominant.

4. Consult with an advisor to ensure you are not missing any eligible benefits.

Frequently Asked Questions

What is the asset threshold for local authority funding in Stoke-on-Trent?

If your total assets (including savings and property) are below £23,250, you may be eligible for funding support through the council.

Can I keep my home and still get care home funding?

You may be able to use a Deferred Payment Agreement, allowing you to delay paying care fees until your home is sold or after death.

Is NHS Continuing Healthcare easy to get?

It can be challenging, as the assessment is strict and based on the primary need being health-related. Many applications are denied unless the care is very complex.

How quickly can funding be arranged?

Timelines vary depending on council capacity, but early application and complete documentation help speed up the process.

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