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Use our tool to get a personalized report on your market worth. Under the Fair Deal you are entitled to a Private Room in a Nursing Home of your choice (subject to bed availability. The Fee covers your bed and board laundry and your care costs. The Fair Deal rate not standardised and differs across Nursing Homes throughout the Country. The Fair Deal fees can range from as low as €800 per week to as high as €1,800 for some HSE run facilities.
Tom's advice was invaluable, his knowledge was exceptional and he was very understanding at this difficult time. I would not hesitate in recommending his services to anyone finding this process daunting. We recently contacted Tom for help with the Fair Deal application process for our father. Although it is a process that can be quite daunting & ambiguous at times, Tom expertly guided us through. There wasn't a single question we had that he could not answer and apart from the financials at all, his extensive and insightful knowledge of the nursing home landscape was absolutely invaluable to us at such a difficult time.
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BDO Ireland partner and head of advisory, Brian McEnery, who compiled the report said that nursing home bed numbers have fallen slightly over the past year to 31,743. The report estimates that 45,000 beds will be required by 2031 to cope with a rising population of people over the age of 65. There has been a 17 per cent jump in the number of people in the Republic over the age of 65 per nursing home bed in just seven years. Nursing home owners are warning that smaller care homes will be forced to close despite demand for more spaces because of rising costs.
If you have already been in a nursing home for 3 years when you apply for the scheme, then you do not pay the 7.5% on your home. If you are part of a couple, you will contribute half of the amounts above, that is, 40% of your income and 3.75% of the value of your assets per year. The Financial Assessment looks at all of your income and assets. Healthcare professionals appointed by the HSE such as a public health nurse will carry out the assessment.
Choosing a nursing home
The care needs assessment will also help identify whether your needs require the support of specialist nurses in a nursing care home, or if your needs can be managed in a residential care home without dedicated nursing support. The HSE said the weekly price for the cost of care in a public nursing home is based on the actual costs of operating the public centres. More than a quarter (26.6%) of Ireland’s private nursing home beds are located in Dublin with a further 10.3% located in Cork. Following treatment in a hospital it is often necessary to spend a further period recovering. This is particularly so following surgery, major illnesses and accidents.
The HSE which published the figures today said the increasing weekly cost of a nursing home stay is due to pay increases due under the Lansdowne Road Agreement . HIQA standards around future proofing as well as virus proofing need to be realistic and sympathetic to both new and existing nursing home owners and operators, while respecting the privacy, safety and dignity of residents. Asset 7.5% per year 3-year-cap Option to take up Nursing Home Loan Option to further defer Chargeable asset Yes No Yes, if they are a land-based asset in Ireland.
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Under the Fair Deal Scheme, HSE nursing homes are paid 60% more than private and voluntary nursing homes. While planning applications for nursing homes were up 25 per cent nationally over 2020, the figure for Connacht and Ulster where Fair Deal rate are lower was down 40 per cent, the report says. In Donegal, the county with the lowest Fair Deal payment as at May 2022, the average weekly rate paid by the State is €955 per bed. This is €280 less per week than for residents in Co Dublin, which has the highest average weekly rate.
The HSE may use the Care Needs Assessment to identify other health or personal social service needs. However, there is no legal requirement for them to provide the services they identify. After the Care Needs Assessment, the healthcare professional writes a report. Based on the report, the HSE decides if long-term nursing home care is the best option for you. After they make a decision, the HSE will write to you within 10 working days.
The report also notes that financial support for Dublin’s public nursing home beds is 44 per cent higher than the private nursing home rate. "It is acknowledged that there are variations in the cost of care for public and private nursing homes, with public nursing homes generally having a higher cost of care. When you have completed the application form, send it to the nursing homes support office in your area. In total, therefore, there are currently 31,000 nursing home beds in the State, 80% of which are in private hands. There are over 460 private and voluntary nursing homes in Ireland delivering care services to over 25,000 people.
It is these type of homes that may be compromised by the 2016 standards come December 2021, and may have no option but to close, putting additional pressures on an already undersupplied sector. 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. Nursing Homes in Ireland prepare a care plan for each resident so that they receive individualised care, that includes their nursing care, wellness, eating and activity preferences.
The HSE then pays the balance between what you pay for your care and what the nursing home charges for providing that care. Your assets, such as savings and property, are taken into account when assessing your financial situation. You must be ordinarily resident in Ireland and need long-term nursing home care to apply for the scheme. You need to be approved for Fair Deal before you can receive funding for a nursing home.
It means that because of State subsidy a resident in a more expensive nursing home does not pay a higher weekly fee than a cheaper home if they are in the Fair Deal scheme. A resident in the Fair Deal scheme is only liable for the amount they are assessed as being eligible to pay after a means test, regardless of the weekly cost of the nursing home they live in. The average weekly cost of caring for a resident in a nursing home is now €1,615 – up from €1,592 last year. 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.
If they are unable to apply, a specified person can apply for them. See ‘How to apply for someone else as a specified person’ below. In a limited number of cases, the HSE may pay for your care in a private nursing home while your application for Fair Deal is being processed. Tadhg Daly, chief executive of Nursing Homes Ireland said the survey highlighted that smaller nursing homes are facing the choice of increasing capacity or closure in the face of rising costs.
“Smaller homes, particularly in regional areas, are struggling to meet existing regulatory demands and rising costs under the constraints of the prevailing Fair Deal scheme,” said Mr. McEnery. “This is a worrying trend, not least for the more sparsely populated area where these nursing homes are integral in the community but are not sustainable. A rising trend in the closure of homes with fewer than 40 beds, mostly located in regional areas, was largely due regulatory requirements for physical upgrades as well as rising costs, the report states. Council funding for care home accommodation is linked to a person’s income, capital and savings.
If both partners are in care, the total contribution is capped at 22.5%. All other assets will be taken into account for as long as you are in care. The first €36,000 of your assets, or €72,000 for a couple, are not be counted in the Financial Assessment. Assets are divided into 2 categories, cash assets and non-cash assets.
We would caution however that some of the larger public homes’ 100+ capacity is due to many multiple occupancy rooms which will become unviable into the future. Therefore, there is greater incidence of development of new nursing home facilities in counties where there is greater income generation potential, i.e. higher Fair Deal rates as well as the ability to attract private paying residents. This is despite the fact that operational costs of running nursing homes are arguably the same regardless of what part of the country the facility is located. Some assets are only included in the financial assessment for the first 3 years you are in care. It means that you pay a 7.5% contribution based on the value of certain assets for up to 3 years. When you submit the application form, you are applying for a care needs assessment and financial support.
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