Long Term Care Benefit
What is Long Term Care Benefit?
A Long-Term Care fund (LTC) was set up in July 2014 to provide benefit payments for adults who have long-term high-level care needs.
The scheme was funded at first by the Government but since 1st January 2015, in addition to annual Government funding, money is raised to pay for the LTC by a LTC contribution from Jersey residents who have an income high enough to pay tax.
For detailed information and a copy of a booklet about Long Term Care, see here.
Need for Care
Having LTC needs means that a person requires substantial help with daily activities such as getting out of bed and dressing.
The 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.
How does the LTC scheme works?
If you need LTC, you will be able to claim the LTC benefit once your assessed care costs have reached a certain limit or ‘cap’. The current cap for care costs in 2021 is £58,230 but the website should be checked for an up-to-date amount.
If you move into a care home, you will be responsible for paying the home’s ‘non-care costs’ i.e. the cost of accommodation and day-to-day living expenses. The amount that you need to pay to cover these non-care costs is known as ‘the co-payment.
However, if you receive care in your own home you will not need to pay a co-payment, because you will already be paying for your day-to-day living costs by living at home.
If you cannot afford to pay your share of the care or non-care costs, you can apply for extra help to Customer and Local Services. Help may be available after a financial assessment or through an LTC property loan.
The LTC scheme aims to remove a lot of the worry about how people will be able to afford the cost of long-term care.
For queries contact Customer and Local Services:
Opening hours: Monday to Friday, 8.30am to 5pm