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FAIR DEAL Q&A

Nursing Home Support Scheme

The official name of the “Fair Deal” is the Nursing Home Support Scheme. It replaces the Subvention Scheme from 27th October 2009.

It comprises of 2 tests:

1. The Care Need Test

2. The Financial Test

The CARE NEEDS TEST helps the HSE decide if you need Nursing Home Care. It will be carried out by a healthcare professional. If the healthcare professional finds you do not need long term care, you can apply for a review after 6 months or earlier in some circumstances.

The FINANCIAL TEST calculates your payment for your care.

If you are a single person, you will pay:

  1. A maximum of 80% of your nett annual income.

plus

  1. 7.5% of the current market value of the principal private residence (your home) for a maximum of 3 years

plus

  1. 7.5 % of the current market value of the remaining assets/cash per annum.

but

  1. The First €36,000.00 (Exemption) of  your assets are excluded in calculating number 3 above (remaining assets/cash) but if you have less than €36,000.00 in remaining assets/cash, the Exemption will be deducted from the value of your private residence.

If you are one of a couple, you will pay.

  1. A maximum of 40 % of the nett annual income of the household

plus

  1. 3.75 % of the current market value of the principal private residence (your home) for 3 years

plus

  1. 3.75% of the current market value of the remaining assets/cash per annum of the other assets.

but

  1. The First €72,000.00 (Exemption) of a couple’s assets are excluded in calculating number 3 above (remaining assets/cash) but if a person had less than €72,000.00 in remaining assets/cash, the Exemption will be deducted from the value of private residence.

You can request a Financial Assessment review after 12 months.

The HSE can conduct a Financial Assessment review at any time.

What’s needed?

  • The Application Form [NHSS1]
  • Written Proof of your income/s
  • Health expenses
  • Rent payments
  • Maintenance payments
  • Property tax
  • Dependent children
  • Valuations of your property from an Auctioneer.
  • Balances in your bank, post office, credit union.
  • Borrowings
  • Qualifying Redress Payments
  • Valuations of other assets.

If you have sold or transferred assets within 5 years of the application. The Market Value of the Asset sold or transferred will be included in your Financial Test. So, the following are needed.

  • Date of sale or transfer.
  • Market Value at date of transfer
  • Amount you received.
  • Who bought or received the asset?
  • Show where the proceeds of sale of sale are.

Fair Deal Loan

If you do not want to sell your assets (e.g. land, business, property) to pay for your care, you can delay paying until after your death, using the unsold assets as security for the post death payment. (the HSE will take a mortgage of your property).

The Loan must be repaid within 12 months of your death and if not, interest is payable from the date of death. Re-payment can be deferred in certain limited cases.

It’s a prudent idea to review your will at the same time as availing of the Fair Deal Nursing Home Loan (the “Ancillary Nursing Home Support Scheme”)

If you live in Co Wexford, contact

HSE Nursing Homes Support Office,

Community Services,

Georges Street,

Wexford

053 918 5715.

If you live in Counties Carlow or Kilkenny, contact

HSE Nursing Homes Support Office,

Community Services,

James’s Green,

Kilkenny

056 778 4761

Declan Joyce

Principal Solicitor

Kelly Colfer Solicitors

051 421212 | info@kellycolfer.ie

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