Choosing the Right Care Home to Avoid Getting Into Debt

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The costs associated with care homes are an increasing issue for many families across the United Kingdom. Care home costs and fees have been consistently rising each year, and many people find themselves under an enormous financial burden when it comes time to have to deal with care homes for their parents or loved ones.

Coupled with the already difficult and emotional decision of having to move their parents or loved ones into one of these care homes, worrying about the fees associated with them can only cause extra and undue stress.

The best way to avoid as many issues as possible is to become as educated on these costs and fees as you can, and also find ways to figure out what additional sources of funding are available and out there.

The first place to look is to NHS. There is a NHS Continuing Healthcare program that could ease much of the financial burden that care homes are associated with. You must contact the program to get your loved ones case looked at in order to determine their eligibility.

If eligible, then NHS could end up paying for the vast majority of the fees, and this is especially the case for those who might be in a more fragile physical state. It is important in these cases to make sure that you choose a care home that will be able to accept your loved one and payment from outside sources such as the NHS and the Local Authority.

Some care homes might also be associated with local charities that specifically raise funds from the community to help those in the care homes who might not be able to fully afford the fees associated with their care. It is important to search out these care homes and charities if you feel that you will not be able to have your loved one qualify for NHS Continuing Healthcare or funds from the Local Authority.

In a worst case scenario, any assets like a home that your loved one owns, will have to be sold in order to both help pay for care home fees, and also to lower the net worth of the person who will be needing the assistance of a care home. If the net worth of your loved one is low enough, then they will have better chances of getting assistance from both NHS and the local authority.

While moving your loved one into a care home is a sad and unfortunate situation, it is still important to be proactive in order to make sure you are able to understand how they can best be helped, and to make sure that no one endures undue financial hardships.

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/.

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