Using the Calculator

The Calculator enables you to carry out a simulated Financial Assessment yourself before completing the official Application Form. It is a guide only and does not cover special situations which may be specific to your circumstances. It relies on the accuracy of the information   submitted and in all cases the results should be checked against the actual assessment calculated by the HSE.

In order to use the calculator effectively it is recommended that you use a Desktop,laptop,tablet or other large screen device.

All Data is as of the date of application

 

To begin the assessment

Go to the Terms and Definitions  page and familiarise yourself with these.

Then on the Calculator page select the correct input sheet , either :-

  • – a  Single Applicant    or
  • –  a Member of a couple Applicant
  1. Complete the form entering the white boxes
  2. Do not forget to enter the age confirmation and nursing home costs boxes . Costs for Nursing Homes can be obtained from the list of approved nursing homes as published by the HSE. (see useful contacts page)
  3. Proceed to the end of the page where the results of the calculation are displayed.

Please note that some nursing homes charge additional levies for care that are in excess of the HSE agreed cost. These costs are excluded from the scheme and you will have to pay them yourself. These costs are not allowed for in the calculator. You may be able to claim tax relief in respect of these levies.

Interpreting the results

There are formulae built in to the Calculator which allow certain protections for people on low incomes.

  1. You will never pay more than the care cost agreed between the nursing home and the HSE. (But see note above).
  2. As a Single Applicant you will always retain 20% of your income or 20% of the Non Contributory State Pension, whichever is the greater.
  3. If you are a Member of a Couple, you as a couple will retain 60% of your combined income or 120% of the Non Contributory State Pension, whichever is greater. There are some special situations for couples on low incomes where both are in care that are not covered by the Calculator but these should be discussed with the HSE.
  4. As a Single Applicant you will retain at least €36,000 of your assets, no matter how long you are receiving State support. This amount is termed the General Assets Deductible amount in the Financial Assessment.
  5. As a Member of a Couple Applicant you will retain at least €72,000 of your combined assets, no matter how long you are receiving State support. This amount is termed the General Assets Deductible amount in the Financial Assessment.
  6. Your principal private residence ceases to be assessable after 3 years if certain criteria are met.
  7. Similar arrangements as in (6) above are in place for farms, sole traders, partnerships and businesses but special terms apply. Professional advice should always be sought when dealing with these.

Amount assessed greater than the Nursing Home Cost?

If you find that the amount for which you are assessed is greater than the cost of the nursing home then it would appear that you you may not be eligible for State support at this time.

There may be alternative ways of dealing with the expenses as there are tax allowances available.

See Important Notes page