Do You Need to Pay for Care Home Fees if You Have Dementia?

Dementia affects approximately 944,000 people across the UK. It can significantly impact a person’s day-to-day life but who pays for the support and care required?

It’s a question that those with a developing condition may be considering as the financial impact, although not as important as the care needs of the individual affected, of the answer to that question can be life-changing.

With one in two of us statistically affected by dementia in our lifetime, the practicalities of care and the provisions that need to be put in place should be discussed now and not later.

What is dementia?

Dementia is a syndrome associated with brain functioning decline. It isn’t a sudden illness, it is a group of related symptoms that progresses over a period of time, potentially causing memory loss, slower than usual thinking speed, reduced mental sharpness, trouble speaking and understanding, a reduction in sound judgement and movement. It can result in difficulties doing daily activities, as well as affecting mood and the person’s ability to manage their behaviour or emotions.

Who pays for a care home (if it’s needed)?

The NHS states, in the early stages of dementia, that remaining at home is an option as you can enjoy doing the things you’ve always done before the illness.

As it progresses, the need for extra help and support with your day-to-day activities will inevitably increase as will the potential for a permanent move to a care home.

Who pays for this is dependent on the individual’s unique circumstances, and their care needs, but also their financial situation.

Nobody receives free care just because they have been diagnosed with dementia. Those that would qualify for free care are those whose primary need is for healthcare rather than social care.

What happens if you don’t qualify for NHS-funded care?

If you are not eligible, then the legal requirement makes you personally liable for the payment of the care fees.

If your assets are worth over £23,500 – homeowners’ assets will more than likely exceed this threshold - then you would need to pay for care yourself. This can be quite an expensive outlay for most people on an annual basis so it is important to consider possible scenarios if the time comes.

Ready to consider future planning?

If you’re weighing up your options and considering shaping your future plans, have a chat with the dedicated team of Wills, Probate, and Trusts specialists at Winn Solicitors. They’re experienced, methodical, and compassionate, and can help you today. Whether it is a Will or arranging Lasting Power of Attorney, our team can support you every step of the way.

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