The HSE administers the Fair Deal scheme. We can assist with the application process which has three steps:
Step 1 – Application for Care Needs Assessment. This is to determine that the applicant needs long-term nursing home care.
Step 2 – Application for State Support (Financial Assessment). The Financial Assessment looks at the applicant’s assets and income to work out how much the applicant will be required to pay and how much the State will fund. For example, if the cost of care is assessed at €1,000 per week and the applicant’s weekly contribution is assessed at €300 the HSE will pay the balance of €700 per week.
All applicants must complete Steps 1 and 2.
Step 3 – Application for Nursing Home Loan (“Ancillary State Support”). This is optional. It gives applicants the opportunity to defer paying that part of their contribution which has been assessed based on their assets (as opposed to income) and to allow the HSE make the payments instead on the basis that the sums involved form an accruing loan to the applicant from the State.
It is possible to repay the loan at any time although in practically all cases the loan is repaid after the applicant’s death. The amount ultimately repaid is determined by the type of property involved and the so called “three year cap” may limit the sum repayable. One of the benefits of the Nursing Home Loan is that an applicant is not forced to sell property during his or her lifetime. A person may choose to apply for the Nursing Home Loan when making the initial application or at any time while resident in the nursing home.
It is important to note applicants cannot avail of State funding for a nursing home place prior to approval by the HSE. In certain cases, transitional or interim funding may be available. The standard Fair Deal application form can be seen here.