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NHS Continuing Healthcare may be available for your clients who have significant, long-term healthcare needs and are receiving care in a care home or in their own home. Any of your clients eligible for NHS Continuing Healthcare will have all the costs of their care paid for by the NHS. It doesn’t matter how much they're earning or what capital they have. It's not a means-tested benefit.
To apply, your client must have long-term health needs which require care. The process is two-stage:
When an application is approved, a package of care and support is agreed. If an application is unsuccessful, there is an appeal process. If the original decision is upheld, the matter can be referred to the local authority. They'll consider whether someone is eligible for care and support. Their assessment is means-tested.
If your client doesn't qualify for NHS Continuing Healthcare, but lives in a nursing home, they could be eligible for NHS-funded nursing care. Assuming the full assessment for NHS Continuing Healthcare has been carried out, most people don’t need a separate assessment.
If someone is eligible for NHS-funded nursing care, payment towards the costs of their nursing care is paid direct to the nursing home.
If NHS-funded nursing care isn’t approved, there is a review process.
If your client believes they could be eligible for NHS Continuing Healthcare, the first step is to approach their GP.
Information researched and accurate as of February 2020. Not to be relied upon by advisers or their clients.
This website is designed to give professional financial advisers information and tools that they can use to help control and develop their business and should not be relied upon by private investors or any other persons.