Navigating the Nursing Home Support Scheme (Fair Deal) is a significant undertaking for any Irish family. While the state covers the core cost of care, families are often surprised by additional charges—frequently referred to as "top-up" fees—billed by private nursing homes for services outside the HSE-approved rate. This guide clarifies what Fair Deal covers, why these extra charges exist, and how you can manage them within your budget.
If you or a family member is moving into long-term residential care, the decision of what to do with the family home doesn't end once the front door is closed. This article shares a clear, honest picture of where rental income fits into the Fair Deal process, what decisions you may face, and how to think through them carefully.
At its core, the Nursing Home Support Scheme (NHSS) in Ireland, even though it is open to all, is designed for a specific group of people. Most of the people who apply are older and have more than one health problem, and problems with cognitive ability are a common concern. Families must plan ahead of their Fair Deal Scheme application, including having an Enduring Power of Attorney (EPA) in place and considering independent advisory support.
The Nursing Home Support Scheme cost of care is unique to each individual because it is calculated based on personal financial circumstances. There is no flat rate. This guide breaks down the mechanics of the scheme, the hidden costs, and the strategic planning required to protect your family’s future.