In order to apply for the scheme you must be ordinarily resident in the State. Ordinarily resident means that you have been living in the State for at least a year or that you intend to live here for at least a year.
There are 3 steps to the application process:
Step 1 is an application for a Care Needs Assessment. This identifies whether or not you need long term nursing home care. The Care needs assessment is carried out by healthcare professionals such as a Geriatrician or a District Health Nurse who will need to meet and assess the applicant.
Step 2 is an application for State Support (i.e. financial support). This is where you complete the Financial Assessment which is used to determine your contribution to the cost of your care and to determine the level of State assistance, if any, that will be paid on your behalf to the nursing home.
Step 3 is an optional step if you wish to apply for the Nursing Home Loan (i.e. the ‘Ancillary State Support’) whereby you apply for additional assistance to enable you to pay your contribution where you may not have or wish to use other assets to pay. This is a form of loan advanced to you and charged on your property assets in the State. The loan is built up as the State pays your nursing home contributions and is repayable when:
- You pass away – it will be repaid from your estate
- You sell or transfer the property (HSE must be notified within 10 working days of transfer/sale)
- You or your partner is made bankrupt
- The HSE determines that it has been given false/misleading information relating to the loan application.
There is a charge for the use of the funds advanced to you linked to the annual increase/decrease in the consumer price inflation (CPI) which is applied to the loan and is collected when the loan is repaid.
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If you have any questions about the Fair Deal Scheme, please do not hesitate to contact us and we will be happy to assist you.