​How the Long-Term Care Scheme works

​The Long-Term Care Scheme helps you pay for everyday care or support.

Everyday care and support includes help with things like bathing, dressing or eating. ​

​If you need long-term care or support, the Government of Jersey might be able to help you pay for it. 

​Tax payers pay money to the Government, and we can use some of this money to help people when they need care or support.

​As soon as you need care, you should join the Long-Term Care Scheme.

You might need everyday care in your own home, or a care home. 

​Who can apply?​

​To apply for the Long-Term Care Scheme you need to be an adult over the age of 18.

You must live in Jersey and have either: 

​Paying for your care or support​

​If you want help to pay for your long term care or support, you need to have a health assessment.

​A health assessment is where you meet with a health and social care professional to work out what level of care or support you need.

​Standard levels of care or support​

​A standard level of care or support is the amount of care that we think you need.

The amount that your care costs will depend on how much care or support you need.​

​There are 4 standard levels of care:

Level 1: weekly care costs up to £492.03

Level 2: weekly care costs up to​ £750.54

​Level 3: weekly care costs up to £1084.93

Level 4: weekly care costs up to​ £1363.95

​If you want more care or support

​Some people will choose care or support that costs more than the Government can give them.

​We will only pay up to the standard level of care or support that you need.

You have to pay with your own money if you want more than the standard level of care or support.

​If the provider of the care charges more, you will have to pay for the extra with your own money.

​You have to pay towards the cost of your care and support if you have more than £419,000. This includes the value of your home.

​The value of your home is how much money your home is worth.​

​You should still join the Long-Term Care Scheme if you currently have enough money to pay for your own care or support.

You might get money from the scheme in the future.

​If you have more than £419,000​

​If you have more than £419,000 you will have to pay towards the cost of your care or support.

Remember, the £419,000 includes the value of your home.

​If your care or support is being charged at the standard care level you won't have to pay more than:

• £72,570 if you are a single person
  
• £108,860 if you are in a couple
  

​After you have paid £72,570 or £108,860, we will pay for the costs of your standard care or support.

​If your home is worth a lot, but you do not have much other money​

​You might have more than £419,000 but most of your money is the value of your home.

You might not have much other money to spend on care or support.

​You might need to borrow money to pay for the cost of your care or support. 

We can help you to pay for the cost of your care or support by lending you money.

​Telling us how much money you have​

​If you have more than £419,000, you do not have to show us how much money you have.

​You should apply to be in the Long-Term Care Scheme as soon as you need care or support, even if you have more than £419,000.

​W​hat counts towards the £419,000?​

​We will pay towards the cost of your care or support if you have less than £419,000.

But remember, if you have more than £419,000 you should still apply as soon as you need long-term care.

​If you think you have less than £419,000 we will want to look at how much money you have.

​The cost of your care or support at home​

​If you need care or support at home, you need to agree with the cost of that care.

​The cost of your care or support in a care home

​Some care homes charge more than the standard level of care or support.

We only pay up to the standard level of care or support that you need.

You will have to pay the extra.

​Other costs​

​When you live in a care home there are other costs. You will have to pay for your room and food.

You should talk to the care home about what it will cost for them to care for you.​

​Care homes charge for things like:

• soaps and shampoos
• magazines
• hairdressing
  

You need to find out if we will pay for these, or if you have to pay.

​Help from a benefit​

​If you live at home, you might be able to get help from a benefit called Income Support​. ​

For more information:

​What happens next​

​Once you have had an assessment with a healthcare professional, you will need to apply for the Long-Term Care Scheme. 

Contact the Single Point of Referral team​ to ask for an assessment:

​Find out more​

​If you have any questions about the scheme you can contact us.