There are many reasons that an individual may need long-term care assistance, typically it is a result of medical conditions in the aging process. However, long-term care is not only for the elderly, it may be required due to a serious illness, disability, accident, or progressive medical condition.
Regardless of how old you are there are two types of medical care you may require, these include social care or healthcare.
You will more than likely require a mixture of both forms of care, which leads to confusion about should pay for the care you receive.
The distinction between social care needs and healthcare needs is an essential element to understanding the care funding you are entitled to.
Whereas social care is provided by the local authority through social services and is used under the pretense of means tested, which simply means you have to pay for your own social care.
As you can see, there is a big distinction between the two. Healthcare is free to you, whereas social care is paid for by you.
When you are funding your care, the most important element is to have your healthcare needs assessed first and foremost.
It is quite easy to see why there are so many issues surrounding payment for care, it all comes down to money. Let’s take a moment and examine some of the facts and figures to understand how large of an issue this is as well as how many people are paying unfair amounts for their medical care.
If the NHS is able to show you do not have any primary health needs, they are able to pass along the responsibility for care to the local authority. They will then have to pay for care themselves, however, due to means testing, it is typically the individual paying.
Even if you have paid income tax and national insurance contributions throughout your life to the NHS, when it comes time for you to need long term care, the NHS is going to do everything in their power to deny you that care. What has happened are hundreds of individuals who have been wrongly assessed in their healthcare needs and forced to pay for their own healthcare.
“Unfair assessments” is not a new trend, it has been going on for years. In fact, the Parliamentary and Health Services Ombudsman produced a report back in February 2003 about “NHS Funding for Long-Term Care”, due to the reports of misconduct on part of the NHS going back to 1996. This initial report was not acted upon and Ombudsman created another report in March 2007 titled “Retrospective Continuing Care Funding and Redress”, which once again criticized the NHS’s approach towards funding. Ombudsman
The NHS responded to this report with what is known as the National Framework to Guide Primary Care Trust. However, even with this enacted there are still examples on a daily basis where procedures are simply not being implemented properly or at all.
Yet as an individual, the politics of this matter should not matter. What is essential to you is whether you are going to have to pay for your care and if you will be able to receive the funding you are in fact entitled to. However, due to the complex politics and policies of this matter, it can be a difficult topic to ascertain and understand. Thankfully, there are those who are willing to help individuals who have had problems in this matter.
TheYEC specialises in helping clients to ensure that they are rightfully entitled to NHS continuing healthcare. In many cases, we act on behalf of the family who simply want to ensure that their loved one’s entitlement to funding has been rightfully assessed. In addition, we also asked on the behalf of families who believe that a loved one has already paid for care when in fact they should’ve been entitled to an HS continuing healthcare funding. In this case, they should be entitled to a refund of the fees that have been paid, which may be able to be reclaimed even if the loved one has passed away.