When it comes to paying for home care, there are generally two choices; you can either fund the care yourself or apply to your local authority for full or partial payment support. If the latter option is the most applicable, there are two types of funding available; personal budget or individual budget.
A personal budget is an amount of money granted to those who have been assessed by their local authority and deemed as someone who needs care. The personal budget amount will depend on the service user’s financial circumstances.
If you are eligible for a personal budget, you can either choose to direct your local authority on how to spend this budget on your behalf, or you can receive your personal budget as a direct payment.
Both options are explained below:
Direct Payment – personal budget payments are made direct to the service user (or a trust fund managed by a family member, friend or social worker) so that care may be purchased from a care provider such as ourselves. For more information on direct payments visit the NHS Choices website.
Individual Service Fund – if a service user (or the person responsible for their care) is unable or unwilling to manage direct payments, the local authority will commission the services of a care provider such as ourselves and pay for the support directly. The service user still has complete control over how this money is spent.
An individual budget is similar to a personal budget however; it can be used more flexibly to meet individual needs and may also include other funding such as the Independent Living Fund.
Choosing to take your personal budget as a direct payment enables you to have choice and control over how and when your money is spent. However, as a general rule the money must be spent on services and/or equipment that meet your needs for care and support based on your assessment.
Medacs Healthcare is an accredited home care provider and can work with you to develop a flexible care plan that meets your specific care needs. Call your nearest branch today for more information.
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