When the time comes to start thinking about and discussion Care Homes for your parents or loved ones, there are so many things to consider. This can be a quite emotional and scary time for some, but it is really best not to avoid looking at the potential issues involved to make sure that you are going to be able to provide your loved one the best possible care for the best possible costs.
The number one thing to do is to make sure that you know your rights. There is much confusion out there regarding home care fees and who pays what, so taking some time to research what it is that your options are, can end up making a massive difference over time.
Next is to understand exactly what kind of financial situation your loved one is in. Know that depending on what their net worth is, they will be able to qualify for extra help from the Local Authority that will reduce the amount per year you or your loved one will have to pay towards the care home fees.
Also, check with NHS, as they can be a source of a great deal of information, and it is possible that they will be able to cover the vast majority of home care fees, if your loved one is eligible for them. Some of the eligibility is determined on the health of your parent or loved one; others are determined on their net worth, so explore all of the options that are available.
It is also good to take into consideration if there have been savings put aside over the course of your parents or loved ones life for exactly this purpose. Or, if they have invested in a policy which has been specifically made to take care of any care home fees, which also will be able to pay for the costs of a care home without adding any additional financial burden.
Once you have taken all of your options into consideration, it is then that you will be able to make the best and most educated choices for your parents or loved ones in taking care of their care home situation without any extra financial issues.
This article is provided by Cheselden, a leading care home claims company. For a free and no-obligation assessment on your own situation and to see if you qualify to reclaim care home fees with Cheselden, please contact them for more information at cheselden.co.uk/.