The Future of Residential Care for Older People in Scotland - Full Report
A strategic examination of the purpose and desired structure of residential care services fit for the aspirations and needs of future generation.
Annex B
Table 1 - Current Funding Arrangements Summary
| Who Pays? | Type of funding arrangement | |||
|---|---|---|---|---|
| NHS continuing care | LA-funded | Self-funded | Housing with Care (example) | |
| Resident | Resident pays nothing towards care costs or accommodation costs. They retain all income from pensions and benefits related to housing. | Resident contributes from pension towards Care Home fees and is left with £23.90 per week in personal expenses allowance (PEA). | Resident pays Care Home fees, on average: £ 698 for nursing £ 632 without nursing May be eligible for FPC / FNC payment. |
|
| Local Authority (LA) | LA makes no contribution. | LA pays balance of care. LA pays NCHC rates: £ 580 pw for nursing £ 499 pw without nursing (less the DWP Pension of £143. |
LA pays £166 per week for FPC and £75 per week for FNC if resident is eligible. | LA will make a contribution to the care costs such as personal care. |
| Health Board | NHS Health Board pays 100% of Care Home costs. Exact amount is negotiated with Care Home provider. |
NHS will provide GP services, free prescriptions and district nursing care as required. | NHS will provide GP services, free prescriptions and district nursing care as required. | NHS will provide GP services, free prescriptions and district nursing care as required. |
| DWP | Resident loses AA/DLA/PIP benefits when resident in Care Home. | Resident loses AA/DLA/PIP benefits when resident in Care Home. Pensions at £145.70 pension credit, or £109.60 basic state pension. |
Resident loses AA/DLA/PIP benefits when resident in Care Home. | If eligible, DWP will pay housing benefit to cover the costs of rent. |
Table 2. Breakdown of care home fees £ per resident per week, England average
| Care Costs | Accommodation Costs | Ancillary Costs | Operator's Profit | Total Costs and Profit | |
|---|---|---|---|---|---|
| Residential care frail elderly |
£197 | £151 | £205 | £44 | £596 |
| Nursing care frail elderly |
£347 | £153 | £205 | £59 | £764 |
| Residential care dementia |
£221 | £151 | £205 | £47 | £623 |
| Nursing care dementia |
£356 | £153 | £205 | £60 | £774 |
On these figures, residents and their families would under the Dilnot proposals still have to pay £399 - £418 per week in care home fees on average, even after the state picks up the full cost of 'care'. And in affluent parts of the country the costs to the individual will much higher. It would still be necessary post-Dilnot, therefore, for most private payers entering care homes to sell any house they own to pay for fees - either at the outset, or at death for those benefiting from deferred payment arrangements.
Contact
Email: George Whitton
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