The Fair Deal Scheme: Practical Guidelines for You

What Covid-19 has taught us about our attitude to planning for later life…

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What Covid-19 has taught us about our attitude to planning for later life…

The startling Covid-19 crisis has sadly touched many areas of Irish society especially the lives of older people. Current events have highlighted the importance of family relationships and there is a dawning realization that older family members should be properly cared in later life.

Emer Lavin, Managing Director of Emer Lavin Eldercare commented:

“The current crisis has shone a light on the reliance of Irish society on the importance of nursing homes. As an advocate in local nursing homes I have witnessed first-hand the tremendous care that nursing homes can deliver to their residents.    Many families find it difficult to negotiate the Fair Deal scheme in order to access nursing home care.”

Emer recommends open and frank discussion in families as the best course of action. A conversation about financing eldercare needs to take place at the latest when a parent is over 70 years and adult children are aged over 40. Organising such conversations can feel awkward for those involved but will enable the parent to express their wishes and hopefully avoid disputes in the future. It is a good idea for parents to execute Enduring Power of Attorney which appoints a family member(s) to look after their affairs if they lose capacity in the future.

Many older people will go through three stages of care:

1) Family Care & Support

2) Private Homecare Providers

3) Nursing Home Care

There is a delicate balance to be struck between paying for private homecare and nursing home care in terms of timing. Family members may think they are doing the right thing by keeping parents at home for as long as possible but the financial costs of private homecare are considerable.

“Having been a full-time carer myself, I believe that the experience of caring for our loved ones does not need to be as stressful as many find it and I believe that considering different options early on can alleviate stress in the long run.”

Emer Lavin  can help you navigate the Fair Deal Scheme.  Everyone pays a financial contribution based upon 80% of their income and 7.5% of their assets.  Emer has a legal background and holds Masters Degrees in Public Advocacy and Human Rights Law. She is an independent advisor and has a wealth of experience in helping older people and their families to navigate the Fair Deal Scheme.

If you would like to speak with Emer please go to www.emerlavineldercare.ie  to book a consultation.

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