Understanding the Fair Deal Scheme

The Nursing Homes Support Scheme, also known as the Fair Deal Scheme, is designed to help people who need long-term nursing home care to fund their care. The scheme has been running since 2009 and has helped thousands of Irish citizens access quality nursing home care.

How Does the Scheme Work?

Under the Fair Deal Scheme, you will contribute:

• 80% of your assessable income
• 7.5% of the value of any assets per year

However, in the case of your principal private residence, this 7.5% contribution based on its value only applies for the first three years of your time in care.

Important Note: The three-year cap only applies to your principal private residence and not to other assets.

Key Points to Remember

1. The three-year cap only applies to your principal private residence
2. The cap does not apply to other assets
3. If you are part of a couple, the contribution based on assets is 3.75% for each of you
4. You can defer the contribution based on your home (Nursing Home Loan)

The Application Process

1. Apply for the scheme through your local Nursing Homes Support Office
2. Complete the application form (NHSS1)
3. Provide documentation about your income and assets
4. Get your care needs assessed
5. Choose a nursing home from the HSE's approved list

Financial Assessment

The financial assessment looks at:

• Your income (pensions, earnings, rental income, etc.)
• Your savings and investments
• Property and land you own
• Any assets you have transferred in the last 5 years

Contact us today to use our calculator and get an estimate of your potential contribution under the Fair Deal Scheme.