Sample Tips from our Guide section
Your Contribution to Care
Roscommon Voluntary Nursing Homes in Ireland
Please select the Nursing Home to suit your loved one.
Having looked at your income and assets, the Financial Assessment
will work out your contribution to care. You will contribute 80% of your assessable
income and 5% of the value of any assets per annum.
However, the first €36,000
of your assets, or €72,000 for a couple, will not be counted at all in the
financial assessment. Where your assets include land and property in the State,
the 5% contribution based on such assets may be deferred and collected from your
This is an optional Nursing Home Loan
element of the scheme which
is legally referred to as "Ancillary State Support".
Your principal residence will only be included in the financial assessment
for the first 3 years of your time in care. This is known as the 15% or 'three
year' cap. It means that you will pay a 5% contribution based on your principal
residence for a maximum of three years regardless of the time you spend in nursing
After 3 years, even if you are still getting long-term nursing home
care, you will not pay any further contribution based on the principal residence.
This 'three year' cap applies regardless of whether you choose to opt for the
loan or not.
There are important safeguards built in to the Financial Assessment which are worth noting.
• Nobody will pay more than the actual cost of care
• You will keep a personal allowance of 20% of your income or 20% of the maximum rate of the State Pension (non-Contributory), whichever is the greater
• If you have a spouse/partner remaining at home, he/she will be left with 50% of the couple's income or the maximum rate of the State Pension (non-Contributory), whichever is the greater
For further information on Irish Nursing Homes in Ireland feel free to check out the Health Information and Quality Authority (HIQA) website.
The address is http://www.hiqa.ie
Below are some links relevant to the nursing home and the healthcare sectors.
What is the Nursing Homes Support Scheme?
The Nursing Homes Support Scheme provides financial support towards the cost of long-term nursing
home care. Under the scheme, people who need nursing home care have their income and assets
assessed, and then make a contribution towards the cost of their care based on their assessment.
The HSE will pay the rest, if any, of the costs of their care in designated public and approved private nursing
homes covered under the scheme. People can choose care in any of the nursing homes included in the
scheme provided that the nursing home can cater for the person's particular needs and that it has a
place available for the person.
As the budget for this scheme is fixed each year, at times a waiting list for financial support may be in place