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Question on Fair Deal

  • 25-12-2024 11:35PM
    #1
    Vizzy
    Registered Users, Registered Users 2 Posts: 2,572 ✭✭✭


    My mam is now in a situation that she now requires nursing home care.

    She has been in hospital for the last few weeks and it is no longer feasible for us to look after her at home.

    I have filled the Fair Deal scheme application and it is being processed as we speak.

    The situation has only really developed in the last week, so I scrambling around trying to look at nursing homes, assess our liabability even if the Fair Deal is approved etc.

    Mam has substantial savings, a good pension and owns her own house ,so, doing the maths here it would look like the family will be liable for about 2/3rds of the nursing home costs and Fair Deal will pay about 1/3.

    My question is can I pay the weekly costs from my salary and claim tax relief on these payments or do the payments have to come from my mothers account, given that she has the ability to do so ?.

    If she has to pay the costs, can she claim tax relief?

    I'm really only trying to get my ducks in a row before she is discharged to long term care.



Comments

  • #2
    Gael23
    Registered Users, Registered Users 2 Posts: 12,153 ✭✭✭✭Gael23


    Yes she can claim tax relief on her contribution but only to the amount of income tax she has paid.

    You can also opt for the loan which defers the contribution based on her home until after her death. That would mean the weekly cost would be lower with the rest being paid from her estate after her death



  • #3
    ottolwinner
    Registered Users, Registered Users 2 Posts: 793 ✭✭✭ottolwinner


    hi op. Sorry to hear that’s your situation right now. Have you looked at all the information here

    https://www.citizensinformation.ie/en/health/health-services/health-services-for-older-people/fair-deal-scheme/


  • #4
    Vizzy
    Registered Users, Registered Users 2 Posts: 2,572 ✭✭✭Vizzy


    Thanks guys.

    I have read all the info on the scheme and I am aware of the possibility of the loan which defers the payment until her death and then redeems the amount from her estate.

    We do not have Enduring Power of Attorney yet and our solicitor has advised that this could take 3 months to finalise( they have set the train in motion for this though) so I don't think that the loan will be granted until we have this.

    So I am trying to avoid a situation where we have to pay the full cost until the loan is granted( if it is granted).

    I have submitted her income details, so the amount of tax she is paying will be deducted, I think.

    Trying to keep as much of her estate together as possible as it will be split 6 ways on her death.

    I could afford the "family payment" ( just about), but can I then claim tax relief on this?



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