She can claim the full amount paid by her, but lent by the HSE.
The sons cannot claim tax relief on the amounts paid by her and lent by the HSE.
Slim
Has it been established that one can seek approval and then not pay your own fees?
It has been asserted, but I don't think anyone can provide a link to this?
Maybe you have mistyped the question? If you're approved, you can avail of the scheme and pay the assessed contribution. The HSE will pay the balance, if any. Obviously, if your assessment is greater than cost of the nursing home, you'd be daft to go this way. You can get approved but then 'no one pays more than the cost of their care' applies, so you pay your own fees and if, at a later date, your income/assets decline or the rules change, you are already approved for the scheme and the scheme will ensure you are no worse off and maybe better off in some cases.Slim
Has it been established that one can seek approval and then not pay your own fees?
It has been asserted, but I don't think anyone can provide a link to this?
The main point that Sarenco made is that some people should pay their own fees. If we make it too complex, then that point might well be missed.
Brendan
Not sure what you mean by this.Obviously, if your assessment is greater than cost of the nursing home, you'd be daft to go this way.
If the HSE lends the money to the resident to pay the fees, that resident can claim tax relief on those payments
Assuming the statement is correct, would it not be fair to say that it would be positively unwise to apply for the FD scheme until the lady in this case has been in a nursing home for three years?
I don't think the table in #26 is correct with regards to what the person would receive under Fair Deal. Their means would be assessed as 80% of their income (ie €32,000) plus 7.5% of the value of their house (ie €52,500), giving a total of €84,550. As the assessed means is greater than the cost of care, then they will receive nothing under Fair Deal and will have to fully fund the cost of care, ie €60,000, themselves, either through family providing the money or through the homeloan scheme.
Why do you not understand that?
Look at it like this. Let's say that the resident borrowed the money from the Bank of Ireland. It's clear that they are paying the fees.
But isn't that what the table says?
Which line do you think is incorrect?
Maybe the title is misleading? The Fair Deal Scheme does not pay the fees as such? If I change that to "FDS - opts for the homeloan schme" would the table then be correct?
Brendan
The 3rd line 'Fair Deal Scheme' and '€28,000' is incorrect IMO.
I had understood that, although called a "loan", this is a misnomer.
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