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Nursing home help me !!

  • 20-04-2018 9:42am
    #1
    John6008
    Closed Accounts Posts: 30 ✭


    My mother has to go to a nursing home .
    She owns the house.
    They are taking 80% of pension etc and 7.9% of the value of the house Pa capped at 3 years etc I know and understand what they are taking .. but I don’t understand how much I will have to pay .. will all these deductions pay for the care or do I also have to pay on top of this ?


Comments

  • #2
    AMCCORK
    Registered Users, Registered Users 2 Posts: 113 ✭✭AMCCORK


    The 80% pension and the annual percentage of the house is your contribution. There will also be other costs relating to the home billed such as activities, hairdressing, prescription charges etc and they can add up significantly. There is an option to defer the amount charged on the value of the house until the house is sold.


  • #3
    splinter65
    Registered Users, Registered Users 2 Posts: 9,420 ✭✭✭splinter65


    You won’t have to pay anything right now apart from, as the previous poster mentioned, a bill from the nursing to cover hairdresser outings toiletries etc.
    This bill could be €100+ per month.
    This bill needs to be itemized and you need to go through it before you pay it because if you are supplying all your mams toiletries then they can’t charge you for shampoo etc
    When your mam dies the state will seek to recoup what they have paid the nursing home from her estate.
    Call to your local citizens information center to have it explained


  • #4
    AMCCORK
    Registered Users, Registered Users 2 Posts: 113 ✭✭AMCCORK


    My experience was a number of years ago and what happened was the fair deal forms were completed and submitted and the HSE advised the amount that we would have to pay. This was at the time 80% pension and 5% assets. There is an amount that you take off the assets and I think that this was 35,000. So for example pension of €240, savings €10,000 and house €200,000. So the calculation was 240*.8 = €192 plus ((10000+200000-35000)*.05) = 8750 pa or €168.27 pw. Therefore you would be assessed at €360.27 pw. The nursing home bills you this amount and the HSE pays the balance. The nursing home will also bill you for the extras such as the prescription charge, entertainment, items not covered by medical card etc. etc.

    The house is only included for the first three years so after three years you go back for a reassessment and in the example above you would then only be charged the 80% pension so €192 per week with the HSE paying the rest.

    There are circumstances where the house is not taken into account which you would check out such as a dependent living there etc.

    If you cannot pay the full amount you have the option to defer the house percentage until the house is sold.

    Hope that makes some sense.


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