Chestnut Financial Services

Chestnut Financial Services, Financial Advisers

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Call Us: 01522 788887

Independent Financial Advisers

Solving Problems For Our Clients

Chestnut Financial Services, Financial Advisers
NHS Continuing Healthcare advice from Ian Francis, Independent Financial Adviser
NHS Continuing Healthcare advice from Ian Francis, Independent Financial Adviser

How NHS Continuing Healthcare (CHC) works

For many, their first experience of care fees is if a hospital is discharging or has discharged you to a care home (or to your own home with a suitable care package).

We are fantastic fans of the great work the NHS do, but we also know that the care system is a complex maze of red tape, and on any given day it is estimated that 100,000 people are incorrectly paying for healthcare (some people with dementia have won a right to be assessed).

So, getting answers to the many questions that arise can be difficult, frustrating, and stressful; so it is easy for an individual to fall through the cracks and miss out. It is critical to understand that NHS healthcare is free if somebody has a disability or complex medical problem and they pass the eligibility criteria.

What is NHS Continuing Healthcare?

NHS Continuing Healthcare is an assessment undertaken by an NHS and social services team, to assess if your needs are sufficiently serious for them to decide they should fund your care for the time being (it will be reviewed at various points, at least annually).

NHS Continuing Healthcare can be used to receive care in a care home or for those wishing to stay in the comfort and familiarity of their own home with either live-in care or domiciliary care.

How we can help you

Many people are refused NHS Continuing Healthcare, mostly because of the scandalous postcode lottery, rather than compliance with the law on patient needs.

If the NHS refuses to conduct such an assessment or the outcome of the assessment may be that the patient's condition is not deemed severe enough as a primary healthcare need.

There are many stages of appeal which we can help with as it does not need a solicitor - just well-presented arguments about the needs of patients.

We can help guide you on your options and help draft appeals and letters.

NHS Continuing Healthcare advice Photo of Ian Francis2
Am I eligible for NHS Continuing Healthcare?

NHS Continuing Healthcare is for adults.

To be eligible for NHS Continuing Healthcare, you must be assessed by a team of healthcare professionals who will look at all your care needs and relate them to;

  • what help you need,
  • how complex your needs are,
  • how intense your needs can be, and
  • how unpredictable they are, including any risks to your health if the right care is not provided at the right time.

Your eligibility for NHS Continuing Healthcare depends on your assessed needs, and not on any diagnosis or condition.

If your needs change then your eligibility for NHS Continuing Healthcare may change.

For example, you will need to have "primary" health or medical needs rather than simply being "frail" - which would be categorised as a "social" need (and therefore fall under the Local Authority Care Need Assessment process).

Sadly, for many, specialist conditions like dementia are not in isolation considered a healthcare need so dementia care is not necessarily funded by NHS Continuing Healthcare.

It is always worth checking though, as funding can considerably contribute to the overall cost of care and in many cases will fund the total cost.

NHS Continuing Healthcare Advice Photo of Farley the Labrador
A warm welcome from Farley
What's on your mind? Let's talk...

We offer a free, no-obligation, initial telephone consultation for new clients to answer some initial questions and help you with some first steps.

After that, we will then ask if you would like to set aside more time at a good time of day for you, when we can meet in person (with or without Farley), on video, or by phone, whichever is most convenient for you.

SOLLA Accredited Adviser Logo
What it means to be SOLLA accredited

Clients requiring financial planning in their later life benefit from advice that is clear and concise. Such advice comes from an adviser that is suitably qualified and experienced to advise them and manage their financial planning.

We have been advising clients on long term care solutions for several years now, backed up not just by professional qualifications but also by the membership of various professional bodies, most notably the;

What Our Clients Have Said Logo
What our clients have said

"Ian couldn't have done anything better. Everything about Ian's work was tailored to what we needed. The service provided was excellent. 

We had many questions and Ian took time to answer them, checking that we understood each part of our 'happy financial future'. 

Ian's knowledge was excellent. He was so professional and trustworthy".

Sheila, Yorkshire

Important Information

Please note, that not all care fee advice is regulated by the Financial Conduct Authority

Contact Us:

Call 01522 788887


Chestnut Financial Services Limited

2a Sadler Court, Lincoln, LN6 3RG

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The guidance and/or advice contained within this website is subject to the UK regulatory regime. It is therefore targeted at consumers based in the UK. Chestnut Financial Services Limited. Registered in England no 9918363, 2a Sadler Court, Lincoln, LN6 3RG. Authorised and regulated by the Financial Conduct Authority.