Having long-term care needs means that you need substantial help with daily activities such as getting out of bed and dressing.
The Long-Term Care (LTC) scheme provides financial support to Jersey residents who are likely to need long-term care for the rest of their life, either in their own home or in a care home.
Short introduction to long-term care
Long-term care diagram
General long-term care information booklet
How the long-term care (LTC) scheme works
If you need long-term care, you'll be able to claim the LTC benefit once your assessed care costs have reached a cap of £60,160 for a single person or £90,240 for a couple.
If you move into a care home, you will be responsible for paying the home's non-care costs (accommodation and day-to-day living expenses). This contribution is referred to as the co-payment.
If you receive care in your own home, you will not need to pay a co-payment, as you will already be meeting your day to day living costs.
If you can't afford your share of the care or non-care costs, you will be able to apply for extra help through means testing or an LTC property loan.
Contact the long-term care team
Reducing the financial worries of long-term care
The scheme aims to remove much of the financial worry that you would otherwise have about the cost of long-term care.
How the scheme is being paid for
There is a separate LTC fund to pay for long-term care.
You pay a maximum contribution rate of 1.5%.
Long-term care scheme: contributions
gov.je