b'A person may be considered to be incapacitated if theyspecialist advice from a qualified independent financial are receiving one or more of the state benefits listedadviser as soon as you need care. The independent below (or a similar benefit) or if their situation qualifiesfinancial adviser will help you find out if you are entitled them to receive one of the benefits.to any benefits and payments and help you to plan and #Employment and Support Allowance (supportmake well-informed decisions about the best way to component)pay for your care and support over the long term. #Universal Credit (limited capability for work andAdvising older people about their financial work-related activity component)circumstances and needs is a specialist area and #Disability Living Allowancefinancial advisers who provide this service need to #Personal Independence Payment (PIP)have extra qualifications, skills and abilities. Specialist #Attendance Allowance independent financial advisers can guide you through #Constant Attendance Allowanceyour financial options if you will be paying for your own #Armed Forces Independence Paymentcare. There may be a number of financial solutions to help you to keep your investments and savings while Even if you are paying for residential or nursingpaying for your care. home care yourself, you can still ask us to assess yourIt is important to plan for your long-term care to make community-care needs. If you are moving into a caresure that you consider all your options, invest your home, you may be entitled to some of the followingsavings and any money from selling your property financial help and support.(ifthis applies) wisely, and protect any remaining #Attendance Allowancemoney you have. If you are considering a residential #Personal Independence Paymentor nursing home for yourself, or an older relative, it #12-week property disregard (where we do not takeis in everyones best interests to get independent into account the value of your property for the firstfinancial advice before making important life-changing 12 weeks after you move into the care home as adecisions. permanent resident, unless your property is soldHow Carewise can help within that 12-week period) Carewise is an important part of the Adults Services #Deferred payment agreement (a legal agreement,information and advice service. We set it up, working similar to a mortgage, that allows you to use thewith Age UK West Sussex, Brighton and Hove, value of your property to pay the cost of yourthe Society of Later Life Advisers (a not-for-profit residential care at a later date)consumer organisation) and West Sussex Partners in #NHS-funded nursing care contribution (see below)Care, to help people make well-informed choices when #NHS continuing healthcare funding.planning long-term care for themselves or a relative. If you are moving into a care home with nursing (aCarewise has a panel of care fees specialists who are nursing home) you may also be eligible to have partqualified independent financial advisers specialising in of your fees paid by a contribution from the NHS.providing advice about choosing and paying for long-This payment is called an NHS-funded nursing careterm care. The advisers: contribution and is paid to the care home. A nurse#are accredited by the Society of Later Life Advisers; will assess your needs to see if you need care from#have a Disclosure and Barring Service check; and a registered nurse. If the assessment shows you do#have received training on safeguarding adults at risk need care from a registered nurse, the NHS may payof neglect or abuse. 254.06 as a contribution towards the weekly fees. The Carewise-approved care fees specialists are You will still have to pay for your accommodation andindependent of us and other Carewise partners. The personal care.first consultation with a Carewise care fees specialist This care guide includes a benefits and paymentsis free. The care fees specialist will be clear with you checklist to help you understand the benefits you mayabout the cost of any future advice. be eligible for.Carewise also provides access to information and Specialist independent financial adviceadvice about care and support options through Age UK West Sussex, Brighton and Hove, who offer a telephone about long-term care in a residential orand face-to-face service. It also provides a free money nursing homeadvice service, which offers independent, confidential If you have to pay the full cost of your residential orand jargon-free information on all matters relating to nursing home from your own investments or savings,personal finance. you are a self-funder. Some residential or nursingPhone: 0330 222 7000homes will ask for evidence that you can pay your careEmail: carewise@westsussex.gov.ukfees for at least the first two years. It is important thatWebsite: www.carewiseadvice.com you understand all the options for paying for long-term care and we strongly recommend that you get 22 Living well in your community 2025/26'