Navigating dementia alongside someone you care for is undeniably challenging, and it may leave you asking “what financial help is available for those with dementia?” Alongside the emotional strain, there’s the financial burden. A dementia diagnosis will inevitably cause difficulty in dealing with personal finances, and then there comes the additional consideration of funding professional care, if necessary. But there is help available, and we’re going to break down the financial support options that may apply to you or your loved one.
Attendance Allowance and Dementia
The Attendance Allowance is a UK government benefit designed to provide financial assistance to anyone aged 65 or over who needs help with personal care due to illness or disability, and this includes dementia. This tax-free benefit is not means-tested and is available to those who require help with tasks such as washing, dressing, or eating.
This allowance can provide much-needed financial support to help cover the costs associated with care. The amount awarded depends on the level of care needed, with two different rates available. If you are the one providing over 35 hours a week of care to your loved one yourself, you may also be eligible for financial support in the form of the Carer’s Allowance.
Personal Independence Payment (PIP) for Dementia
The Personal Independence Payment (PIP) is another form of financial assistance provided by the UK government for those aged 16 to state pension age who have a long-term health condition or disability, including dementia. PIP is designed to help with the extra costs of living with a disability or health condition and is not means-tested.
PIP consists of two components: a daily living component and a mobility component, each with different rates depending on the level of assistance required. Individuals with dementia may be eligible for one or both components of PIP, depending on their specific needs and circumstances. Citizens Advice have provided a comprehensive guide on PIP, with information on how to apply.
Council Tax Discounts
In addition to these financial support options, individuals living with dementia may also be eligible for financial support in the form of a council tax discount. The most common is a single person’s discount, where a person living alone can claim a 25% reduction to the council tax. However, someone living with dementia may also be eligible for a council tax disregard or exemption.
Disregards may apply to individuals exempt from paying council tax, such as those with severe mental impairment, which can include dementia. You will need certification from a medical practitioner, and eligibility for specific disability benefits like Attendance Allowance or Personal Independence Payment, to qualify.
Exemptions will exclude the entire property from council tax when all occupants meet the severe mental impairment criteria, dementia included (as certified by a medical practitioner). Living with a carer doesn’t automatically grant a discount or disregard, but some carers can be disregarded if they meet certain criteria, such as providing at least 35 hours of care per week and not being the partner or parent of the person cared for. These carers are treated as disregards, resulting in a reduced council tax bill.
To learn more about financial support through council tax discounts and exemptions for individuals with dementia, contact your local council or visit their website. The Alzheimer’s Society has also provided guidance on the available council tax options.
Dementia and Care Home Fees
One of the primary concerns for families is often the cost of care, particularly if residential or nursing care becomes necessary and whether there’s financial help available While the rules regarding care home fees can vary depending on individual circumstances and location, it’s essential to understand that individuals with dementia may be eligible for financial assistance to cover these costs.
If a person with dementia has assets below a certain threshold (which may include property), they may be entitled to financial support from their local authority to cover some or all of their care home fees. The local authority will conduct a means test to determine the level of support an individual is eligible for.
For detailed information on care home funding and eligibility criteria, you can read more here.
Support and Guidance
Caring for a loved one with dementia can be emotionally and financially challenging, but it’s essential to remember that support is available. By understanding the financial assistance options outlined above and exploring additional resources from government and charitable organisations, families can access the help they need to navigate this journey with greater ease.
For further guidance and support specific to your circumstances, consider reaching out to organisations such as Alzheimer’s Society or Age UK, who offer valuable resources and advice for individuals and families affected by dementia.
Remember, you’re not alone on this journey, and there are people and organisations ready to support you every step of the way.
B&M Care is here for you
Contact our friendly team to learn how we can help you and your loved ones with the care they deserve. You can also read more about our dementia care here.