Fair Deal Nursing Home Scheme
4th July 2022
How much you will pay towards the cost of nursing home care.
The amount depends on your income (money received on a regular basis) and assets
(investments and property).
If you have little income and assets, you pay less.
If you have more income and assets, you pay more.
The amount your nursing home charges does not
affect the amount you will pay.
For example: if the amount is calculated at €200 per week
this will be the same whether the nursing home charges
€770 per week or €1050 per week.
The HSE will pay the balance.
Your contribution is based on all of the following.
You will pay:
80% (40% if you are part of a couple) based on your income
7.5% (3.75% if you are part of a couple) of your cash assets such as savings, stocks, shares
7.5% (3.75% if you are part of a couple) of your assets such as land or property
The first €36,000 (€72,000 if you are part of a couple) is excluded from the assessment. This is excluded firstly from your cash assets and then any remainder from your non-cash assets.
Your home will only be included in the financial assessment for a period of 3 years. You will not pay more than 22.5% (11.25% if you are part of a couple) of the value of your home. This cap can also extend to your farm or business.
The HSE will send you a letter to confirm the amount you will pay. You will receive a further letter to confirm your funding approval.
You can choose to apply for an optional nursing home loan
You can apply for a nursing home loan if you own property in Ireland. This can be a house, land, business property or any other property in the State.
The nursing home loan is optional. If you want to apply for it, you should complete this section in the Fair Deal application form.
The process of applying for a nursing home loan can sometimes take several months. It is advised you apply for the loan when you apply for Fair Deal funding. You do not need to accept the nursing home loan if you are approved.
If you are applying on behalf of someone, only these types of specified person can apply for the nursing home loan:
Care representative (a person appointed by Circuit Court)
Ward of Court (a person appointed by Office of Ward of Courts)
Holder of a registered enduring power of attorney (chosen to act on behalf of another person)
You can send in the application form if you are waiting to be appointed as one of these types of specified person.
Repaying the nursing home loan
You can choose to pay the loan back at any time. You do not have to pay the amount during your lifetime but it will be collected from your estate upon death.
If your partner is still living in your home after your death, they can apply for a deferral. This means the loan amount based on the home can be collected from their estate after their death.
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