Enter what you know and the figure updates as you type. Nothing is stored and you never give your name. Built for families who have just been told "you will need to apply for Fair Deal".
Fair Deal uses the same three rules for everyone. The calculator applies them exactly as the HSE describes them. Couples are assessed on half of their combined income and assets.
You contribute 80% of weekly income after tax and allowable deductions. For a couple that is 80% of half the combined income. The rest stays with you.
You contribute 7.5% of the value of assets each year after the first €36,000 is set aside (€72,000 for a couple). Savings, shares, property, land and anything given away in the last five years all count.
The home is counted for three years only, so you never pay more than 22.5% of its value. The nursing home loan lets you defer that part until after death, so nobody has to sell.
A complete application is usually decided in four to six weeks. Funding starts on the date of approval and is never backdated, so every week matters.
Identity, income, every bank statement, a valuation of the home. Missing paperwork is the main cause of delay.
A nurse, doctor or occupational therapist confirms long-term care is needed. Often done in hospital.
The local support office works out the weekly contribution from the documents you sent.
You are placed on the funding list and State support starts from the approval date.
No. It is an estimate using the published rules and the figures you entered. The HSE's financial assessment uses your documents and may treat some items differently. Use it to plan, not as the final number.
No. The part of the contribution that comes from property can be deferred through the nursing home loan. The HSE pays it, registers a charge on the property, and it is repaid from the estate after death. If a spouse or certain relatives still live in the house, repayment can be deferred further.
The family home stops being counted and the weekly contribution falls to the income and savings portions only. The calculator shows both figures.
Around four to six weeks once the HSE has a complete application, longer if the nursing home loan is needed or the applicant cannot sign. Funding is not backdated.
They can also be capped at three years, but only where a family successor commits to keep running them for six years, and it must be applied for. Without that they are counted at 7.5% a year indefinitely. Worth a solicitor's advice.
Two minutes, no name, nothing stored. Scroll up and try it, or read the guides below.
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