Care Home Fees: Understanding the 12-Week Disregard from Local Authorities

When a loved one requires long-term care, knowing what financial assistance is available becomes critical. One essential concept is the "12-week disregard." This provision offers families necessary financial support during the often challenging transition into a care home. This post explains how the 12-week disregard from local authorities works, detailing eligibility criteria, application processes, and its implications for care home fees.

What is the 12-Week Disregard?

The 12-week disregard allows certain assets to be excluded when assessing a person’s eligibility for local authority financial support toward care home fees. Typically, when someone enters a care home, assessments look at their assets and savings to determine how much they must pay for their care. Thanks to the 12-week disregard, local authorities will not consider the value of an individual's home or selected assets for the first 12 weeks of care. If the home sells during this period then the 12 Week disregard period will end.

This temporary relief is designed to ease the financial pressure on families as they transition into care. For example, if an individual owns a home worth £200,000, that value will not count against them during this crucial period.

Eligibility Criteria for the 12-Week Disregard

To qualify for the 12-week disregard, several factors must be considered:

1. Primary Residence: The most significant asset usually excluded from the financial assessment is the individual's primary home. This exclusion means families can focus on care without worrying about immediate home valuations.

   
   

2. Financial Status: The individual needs to undergo a financial assessment by the local authority. If the assessment shows their savings and income below a certain limit—often around £23,250—they could receive complete support for care fees during this time.

   
   

3. Notification and Request: Families must inform their local authorities about the need for care and formally request the 12-week disregard during the care funding application.

   
   

   Top Up Fees

   You may still be required to 'top-up' a care home fee, as very often the fee paid by the local authority willl not fully cover the cost of the placement.

   
   

Each council might have its specific guidelines, so consulting with local authorities is essential for tailored advice.

Application Process for the 12-Week Disregard

The application process for obtaining the 12-week disregard involves several key steps:

1. Request an Assessment: Contact your local authority to request a financial assessment. This may include a face-to-face meeting, phone consultation, or online application.

   
   

2. Gather Documents: Be sure to collect all necessary financial documents, such as bank statements, proof of income, details of savings, and property valuations if relevant.

   
   

3. Communicate Your Needs: During the assessment, clearly state the request for the 12-week disregard. Ensure the assessor fully understands your circumstances.

   
   

4. Wait for a Decision: After the assessment, local authorities will determine the financial support available, including the acknowledgment of the 12-week disregard.

   
   

5. Receive Notification: Families will get a formal letter detailing the financial support awarded and the duration for which the disregard applies.

   
   

It's crucial to keep records of all communications for future reference.

Impact of the 12-Week Disregard on Care Home Fees

The 12-week disregard can substantially influence the financial landscape regarding care home fees. Here are some ways it impacts families:

1. Immediate Financial Relief: The provision offers temporary financial relief from care home fees. This allows families to adjust to the new circumstances without the stress of immediate financial strain.

   
   

2. Asset Management Planning: Understanding the implications of the 12-week disregard helps individuals manage their financial resources effectively. With careful planning, they can ensure maximum support during times of need.

   
   

3. Preparing for Long-Term Support: After the 12 weeks, families need to reassess their financial situation. Planning for ongoing financial commitments following the disregard is essential.

   
   

4. Exploring Additional Assistance: Families may find that further support from local authorities is available after the 12-week period ends. Clear communication with local councils can lead to additional financial aid when needed.

   
   

The 12-week disregard acts as a temporary bridge, and staying engaged with local authorities can help families better plan for the future.

Common Questions About the 12-Week Disregard

How do I know if I am eligible for the 12-week disregard?

Eligibility criteria can differ among local authorities. It's best to consult your local council's guidelines and speak with a financial officer. They can assess your circumstances based on income, assets, and property.

For example: Kent County Council has this useful leaflet: https://proceduresonline.com/trixcms2/media/11497/12-week-disregard-fact-sheet.pdf

What happens after the 12-week disregard ends?

Once the 12-week period concludes, any previously disregarded assets, such as the family home or savings exceeding the local authority's threshold, will be considered in future assessments.

Can I appeal if I'm denied the 12-week disregard?

Yes, if you feel your application was unjustly rejected, you can request a review or appeal the decision based on your local authority's procedures.

Are all care homes eligible for the 12-week disregard?

Most care homes qualify, but it is wise to verify with both your care provider and local authority to confirm their eligibility.

Wrapping Up

The 12-week disregard from local authorities serves as a significant resource designed to alleviate the financial burden associated with entering a care home. By understanding the eligibility criteria, application steps, and the impact on care home fees, families can make well-informed choices during a challenging time. While this provision provides short-term relief, it is crucial for families to remain prepared for ongoing care needs. By staying proactive and reaching out to local authorities, individuals can confidently navigate the complexities of care home fees.

Being aware of the 12-week disregard can bring clarity and financial relief, helping families navigate the emotional and financial challenges of transitioning into long-term care.