Question 1

Do I have to sell my house for the Fair Deal scheme?

Accepted Answer

No, you don't have to sell your home. Under the Fair Deal Scheme (Nursing Homes Support Scheme), you can defer the payment related to your primary residence through the Nursing Home Loan option, also known as Ancillary State Support.

Question 2

How much will I pay for the Fair Deal scheme?

Accepted Answer

Your Fair Deal contribution is based on 80% of your assessable income and 7.5% of your assets per annum (3.75% for a couple). The contribution from your principal residence is limited to the first three years of care.

Question 3

Is the Fair Deal calculator accurate?

Accepted Answer

Our calculator provides an estimate based on current HSE guidelines. While designed to be as accurate as possible, the final assessment by the HSE may differ. The calculator is for guidance purposes only.

Frequently Asked Questions

What is the Fair Deal scheme?

Who is eligible for the Fair Deal scheme?

How accurate is this calculator?

Is my information kept private?

What income is assessed?

How are assets valued?

How do I apply for Fair Deal?

How long does the application take?

Can I choose my nursing home?

What is Ancillary State Support?

How is the Nursing Home Loan calculated?

When and how must the loan be repaid?

How does the 3-year cap affect the loan?

What assets qualify for the Nursing Home Loan?

What is the Farm/Business Asset cap?

What happens to my home under Ancillary State Support?

How does interest on the Nursing Home Loan work?

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