Care home fees & funding at Future Care Group
Paying for care
At the Future Care Group we understand that there are many things to consider when making a decision to move yourself or a family member into a care home. One of the biggest considerations is how to pay for care.
As a Group we are open and transparent with our discussions around the cost of care. We are making every effort to make sure that financial issues are planned for ahead of time.
The following points will help you understand the costs involved when moving into a care home and your options for paying your care fees.
However we are not permitted to give you direct financial advice and therefore we have also provided a list of organisations that offer financial advice.
How much will my care fees cost?
Step 1
Finding out exactly what care you need is key to understanding your financial plan ‘how much do care homes cost?’ and ‘what exactly will I be paying for?’
The answers to these questions depend on a variety of factors, such as where you live and the level of care you need. How much care you need affects how much you will pay. For example, if you need round-the-clock care you are likely to pay more than someone who is largely independent.
These care needs are determined by an assessment that can take place in a hospital, your own home or another care setting.
Step 2
What is the maximum capital limit for Local Authority funding? Many people are eligible to have at least some of their care home costs paid for by their local authority. This largely depends on how much capital you have such as savings or property ownership. It is likely you will need to pay at least some of your care costs yourself if you have savings or own property above the value of £23,250.
Step 3
Find out how much your chosen home may cost. Each care home will have slightly different fee levels depending on the types of care offered and lifestyle factors, such as room sizes and physical surroundings. You will need to check exactly what your fees cover in each home.
We include accommodation, meals and laundry in our weekly fee. Other services, such as private chiropody or hairdressing can be charged as an extra cost depending on the care homes’ individual pricing policy.
Find my nearest home
At Future Care, we aim to help you find the right care home where you can feel safe and content.
Lasting Power of Attorney
Lasting Power of Attorney (LPA) allows a selected person (or persons) to make decisions on your behalf in the event that you are not mentally or physically able to do so. LPA can be arranged independently through a solicitor.
There are two types of LPA. You can arrange one or both:
Health and Welfare LPA
This allows your chosen attorney to make decisions about your medical care and treatment options, moving into a care home and your day-to-day routine, such as dressing and eating.
Property and Financial LPA
This type of LPA gives your chosen attorney power to make decisions about your property, such as selling your home, and any financial issues, such as bill payments or managing your bank account.
Funding your care
Depending on your circumstances, you may be responsible for paying some or all of your care home costs. It is also possible that the NHS or your local authority will cover some or all of the fees.
We can give you further guidance on looking at these funding options when you visit our homes. Eligibility criteria exist and assessments will be undertaken. Including financial assessments by ourselves and / or the Local Authority if this payment option is available to yourself.
Alternatively you can contact the organisations below:
Age UK
Age UK is a charity that aims to help people navigate aging. it provides advice on a range of subjects, including money and health. It has offices across the UK.
Citizens Advice Bureau
This organisation provides free, independent advice. It can help you understand what your financial rights are when moving into a care home. It has local offices across the country, which you can contact directly for advice.
FAQs
Which types of funding do you accept?
We accept funding from those paying for their own care (self-funding residents) and CCG funded residents. For specific information, please contact the care home of your choice.
What services are included in the fees of the care home and what do I pay extra for?
Our weekly charge includes your furnished accommodation and the full care services we provide. It also includes catering, housekeeping and laundry, support with daily activities and the management of medication.
You can also buy small items, such as toiletries, in your care home and you will need to pay for personal services such as hairdressing or private chiropody. The weekly charge does not include activities that involve an entrance fee, such as theatre visits or sometimes food trips. Please note although we include laundry in our services, if you wish to do your relatives laundry for them just let us know.
Funded Nursing Care
If the Company allocates nursing hours as part of the services, the Fees shall include the amount of NHS funded nursing care (FNC) you are currently, or may subsequently be, entitled to. The Company cannot guarantee that FNC will be approved and received from the NHS. The Company will endeavour to submit such an application at the earliest time possible however, it is solely the responsibility of the resident or the resident’s authorised representative (signed below) to make sure this is done.
If the Company does not allocate nursing hours as part of the service the resident will be characterised as “Residential”. A “Residential” characterisation occurs if the company’s assessment concludes that the resident does not qualify for NHS funded nursing care (FNC) at admission. If at a later assessment it is ascertained that the resident needs have changed and nursing care and nursing hours are required as part of care provided, the Company will write to you (signed below) with a new costed care plan and adjust the Fees accordingly (“adjusted Fees”). The Company will also apply for FNC and if FNC is approved and received we will deduct it from the “adjusted Fees”. If a “Residential” resident or the resident’s Authorised Representative (signed below) believes that FNC should be applied for due to changes in needs, they shall inform us within a reasonable time period if they submit an application for FNC. At this point a new assessment and costed care plan will be created to provide for nursing hours.
What services are included in the Fees of the care home and what do I pay extra for?
Our weekly charge includes your furnished accommodation and the full care services we provide. It also includes catering, housekeeping and laundry, support with daily activities and the management of medication.
You can also buy small items, such as toiletries, in your care home and you will need to pay for personal services such as hairdressing or private chiropody. The weekly charge does not include activities that involve an entrance fee, such as theatre visits or sometimes food trips. Please note although we include laundry in our services, if you wish to do your relatives laundry for them just let us know.
Funded Nursing Care
If the Company allocates nursing hours as part of the services, the Fees shall include the amount of NHS funded nursing care (FNC) you are currently, or may subsequently be, entitled to. The Company cannot guarantee that FNC will be approved and received from the NHS. The Company will endeavour to submit such an application at the earliest time possible however, it is solely the responsibility of the resident or the resident’s authorised representative (signed below) to make sure this is done.
If the Company does not allocate nursing hours as part of the service the resident will be characterised as “Residential”. A “Residential” characterisation occurs if the company’s assessment concludes that the resident does not qualify for NHS funded nursing care (FNC) at admission. If at a later assessment it is ascertained that the resident needs have changed and nursing care and nursing hours are required as part of care provided, the Company will write to you (signed below) with a new costed care plan and adjust the Fees accordingly (“adjusted Fees”). The Company will also apply for FNC and if FNC is approved and received we will deduct it from the “adjusted Fees”. If a “Residential” resident or the resident’s Authorised Representative (signed below) believes that FNC should be applied for due to changes in needs, they shall inform us within a reasonable time period if they submit an application for FNC. At this point a new assessment and costed care plan will be created to provide for nursing hours.
Are all rooms individually priced?
Yes rooms are priced differently depending on size, location at the home and amenities.
Are there any upfront or additional charges?
There are different charges listed in our Agreement – please read it thoroughly before signing. The key ones are:
- We charge a non-refundable admission charge this primarily covers costs relating to: the assessment, preparing the contract, preparing the room and creating the initial care plan.
- In the event of death of the resident, fees will be payable for seven (7) days from the date of death or until the room is cleared, whichever is later.
