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Fair Deal Scheme Query

  • 14-11-2024 05:37PM
    #1
    Sherry1975
    Registered Users, Registered Users 2 Posts: 13 ✭


    Hello All

    my dad is ill at the moment and lives in a flat on his own, he is refusing a Nursing Home, and the FDS, I know for a fact that he will end up going to a Nursing Home in the end. he receives a normal State Pension from The Government and I have no money saved.

    how will I pay for the first 2/3 Months of a Nursing Home? when he eventually goes, my dad has property and was wondering if I could use the house as collateral to pay the first 2/3 Months eventually? while i wait on the FDS

    Has anyone any experience with this sort of situation



Comments

  • #2
    carlandlenny
    Registered Users, Registered Users 2 Posts: 45 ✭carlandlenny


    Hi, I'm not sure from your post exactly what you situation is, but reading between the lines it appears that you dad is some time away from needing a home.

    So, I would suggest to start the application process ASAP. Is he attending a hospital "Medicine for older people" dept in the Mater for example. For the fair deal you will need a care needs assessment completed by the doctors, plus all his financial details.

    You should also look into an Enduring Power of Attorney like yesterday as these take a very long time.



  • #3
    purplefields
    Registered Users, Registered Users 2 Posts: 285 ✭✭purplefields


    You'll have to fill in a huge MOAF (mother of all forms). In this is an application for a nursing home loan which is administered by Revenue. This'll be secured on the property.

    As your dad has property, you're probably better off delaying this as long as possible. It's only a 'fair deal' if you don't have assets. If you can delay it five years, then this'll give you time to sell your dad's assets (if he's amenable). Otherwise it'll cost you €€€€s. Typically it's €5000/month for a nursing home.

    You'll get about 10 weeks where you do not have to pay anything if he goes in.



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