A guide to care fees annuities

Have you ever wondered the reason of being asked by the people to arrange for the care fees annuities? Do you want to know what exactly is it and how important is it? Do you want to know what is it all about and need some care fees advice? Well, if you answered ‘yes’ to any of these question being asked above, this is going to be interesting for you.

The care fees annuities is all about giving you the choice, ensuring the quality and limiting the cost of the nursing home fees. Basically, provide this care fees annuity means that, the specialist insurers provides you the guaranteed tax free income if you are ready to pay the single premium outset. 

This will ensure your fees will be met for the lifetime.

The reason behind getting it tax free is that, the insurer pays the fees directly to the nursing home in which your loved one is registered, and not to you. So, it is not considered as your income in your tax return. So, there are no issues even if you change your nursing home. The insurer will pay it directly to your new nursing home.

The long term care annuities are important. If you happen to keep your loved one into a nursing home, paying yourself for the nursing homes; the accommodation as well as services from your salary and savings as you go is one of the toughest things to do in your life. There might be a situation where in you need to sell your house and start staying in nursing home yourself if you do not take the help. So, it is always advisable to go for the long term care annuities. This is exactly why the people with power of attorney keep asking you to arrange for it.

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Assessment process of the NHS continuing care

The decision for the stay of your loved homes in the nursing home is difficult. It is an touching situation where people get emotional; and also the finance is a major issue. Paying for care homes is not so easy; it requires a lot of time and effort to manage the fees.

How peaceful your mind will be if you do not have to worry about paying for care home fees! Oh yes, it is possible with the help of the NHS continuing care, an organisation that provides free health services to the patients suffering from mental illness or physical disability.

However, everyone is not straight away eligible for the NHS services. One has to undergo through an assessment carried out by the Primary Care Trust (PCT). On the basis of the results of both the assessments; the preliminary one and the decision support tool one, they will decide if you have qualified to receive the free NHS continuous care or not.

The preliminary NHS continuing Health Care checklist and the decision support tool has got 12 factors which they take into the consideration for the assessment. They rate all the 12 domains as any of these:

• Low (L)
• Moderate (M)
• High (H)
• Severe (S)

The few of these factors are also rated as:

• Priority (P)

Let us have a look at the list of these domains:

• Behaviour
• Cognition
• Breathing
• Drug therapies and medication: Symptom control
• Altered states of consciousness
• Communication
• Continence
• Psychological and emotional needs
• Mobility
• Nutrition: Food and Drink
• Skin and tissue liability
• Other significant care needs

Out of the above listed factors, all of them can be rated as L, M, H or S and the first five can be rated ‘P’ as well. On the basis of these results, they check if the patient meets the standards, exceeds them or do not meet the standards at all. 

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A guide to NHS continuing health care

NHS, the full form ‘National Health Service’ itself suggests it is an organisation that serves patients for health issues. The ‘NHS continuing health care’, also sometimes known as the ‘NHS continuous care’ is a health organisation which provides the free long term care and services to the people who need it because of either accidents or illness. They offer you the service at any place or setting; either home, hospital or nursing home. Also, they are sometimes known as ‘fully funded NHS care’.

Are you eligible for NHS?

Oh yes! If your health issue is genuine and you need the free service indeed, you are eligible for it; irrespective of the type of disease, diagnosis or medication. All they check it out is if you have got a health need and not a social care need! So, if your health need is serious, complex and has got high intensity, you are surely eligible for it. You can also ask about it to the team who give you long term care advice.

How to get qualified for NHS?

The criteria for getting qualified for the NHS are simple. All you need to do is an assessment.  You should get it done while you are getting discharged from the hospital. The Primary Care Trust (PCT) should do this; if they do not, you should remind them to carry out the assessment. Also, if you feel you should continue the service in the nursing home, you should ask them to assess you.

After the initial checklist, the detailed one is also carried out known as ‘Decision Support Tool’. The team of professionals assess you in such a way that there are no inconsistencies. They check it fairly whether you need the service and you are entitled to the NHS continuing care or not. 

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