Pricing and help with funding
We understand that accessing care for the first time can seem daunting. We are committed to being fully transparent about our costs and these will be provided as part of our introduction pack when you Get in Touch.
The majority of our clients either privately fund their own care, accruing credit towards the long-term care cap or are ‘topping up’ the care costs covered by the long term care benefit.
If that sentence sounds confusing to you then don’t worry – you are not alone! We are frequently contacted by people who are not sure how the system work – some of our most commonly asked questions are answered below:
Are there benefits in Jersey to help with Care Costs?
The Long-Term Care (LTC) scheme provides financial support to Jersey residents who need care, whether it is in their home or in a care home. To access the scheme, you need to contact the Social Services Department through SPOR (Single Point of Referral) who will arrange for your needs to be assessed by a social worker, occupational therapist or nurse.
How are needs categorised?
The assessment then allocates you to one of 4 levels, with Level 1 being the lowest and Level 4 is those requiring extremely high support throughout the 24 hours.
Level 1 is for people who need ‘moderate’ levels of support. To reach this category the client has physical or psychological needs which require input at least once a day. Level 2 is classed as being ‘high’ level of support and the client needs help to the extent that they cannot be safely left alone for more than 3 hours in the day. Level 3 needs are ‘very high’ and the client has complex needs requiring constant support during the day or the night. Level 4 is ‘extremely’ high with clients requiring support through the 24-hour period.
What is the difference between ‘assessed care’ from the SPOR assessment and my view of my care needs?
Many people starting off on their care journey will have care needs that will not reach the threshold of Level 1. In that situation, they are often encouraged to source care privately but Social Services will review the situation as and when things change.
Who is eligible for assistance with support?
The short answer is everyone who completes the assessment process and meets the criteria for one of the levels! The longer answer is a bit more complicated. If you can’t afford to fund your care, the next stage of your Social Services assessment is for a financial assessment to be carried out and they will help you work out what help you need.
Those people who can fund their care, don’t get immediate assistance. They have to fund it themselves until their assessed care costs have reached a cap of £58,230 for a single person or £87,350 for a couple.
So does all the money I spend on care go towards the care cap?
No. It doesn’t. If your ‘assessed needs’ are 4 hours per week but you decide to have care for 6 hours per week, then only the 4 hours will go towards the cap. Importantly, the hourly cost of care set by Social Services does not always reach the hourly rate you will pay for your chosen agency. That means that there will be ‘top up’ funding required.
Is this really complicated from an administrative perspective?
Actually, there is a really good system in place for managing this and we sort it all out with Social Services.
Can you give an example of how this might work in practice?
Or client MD lives on her own at home. We set up visits for 8 hours a week (3 hours on Monday and Friday and 2 hours on a Wednesday). These visits are privately funded. Several years later she fell and broke her hip. Before discharge from hospital, we were contacted by Social Services. We worked together and she was assessed as being on Level 1. We increased the care accordingly and continue to invoice her daughter for our services. We are periodically contact by social services requesting that we sent a copy of our invoices so that they can update the client’s records on her way to accruing the funding support cap