Fair Deal Advice for Families in Ireland
Fair Deal 360 helps families understand what the scheme could mean for their own situation.
We support you through the entire process, from initial questions through to preparing an application, helping you assess the financial implications and decide whether Fair Deal makes sense for your family.
FairDeal360.ie is led by Peter Brady of 360 Finance & Property, an experienced Irish financial adviser with over 15 years’ experience across pensions, life assurance and property.
Understand the Fair Deal Scheme before applying
When a parent or family member may need long-term nursing home care, families often have to make decisions quickly. The Fair Deal scheme can help with the cost of approved nursing home care, but the application process involves care needs, income, savings, property, family circumstances and supporting documents.
FairDeal360.ie helps families understand the process before they apply, so they can prepare properly and avoid unnecessary financial strain, confusion or delay.
Help with nursing home fees, financial assessment and applications
- Understand the process
- Prepare your financial assessment
- Know what documents are required
- Get guidance before submitting
- Help connect you with Nursing Homes
Understanding the process
We explain the main Fair Deal steps in plain English, including the application form, Care Needs Assessment, Financial Assessment and Nursing Home Loan where relevant.
Preparing your financial assessment
We help families understand what income and assets may need to be considered, including pensions, savings, investments, property, land, business interests and transferred assets.
Help prepare your documentation
The HSE application process can require proof of income, cash assets, property or land valuations, outstanding loans, PPS details and supporting authority documents where someone is applying on behalf of another person.
Guidance before submitting
Before submitting the application, we can help you understand what information is likely to be needed and where further financial, legal or care-related advice may be appropriate. We will look at all scenarios, including Nursing Home loans and whether Fair Deal is appropriate for you based on your individual circumstances.
Common Fair Deal questions
What is the Fair Deal Scheme in Ireland?
The Fair Deal Scheme, officially called the Nursing Homes Support Scheme, helps people in Ireland pay for long-term nursing home care. Under the scheme, the person contributes towards the cost of care based on their income and assets, and the HSE pays the balance where applicable. Fair Deal applies to approved public, voluntary and private nursing homes.
Who can apply for the Fair Deal Scheme?
You can apply for Fair Deal if you are ordinarily resident in Ireland and need long-term nursing home care. As part of the application, the HSE carries out a Care Needs Assessment to decide whether nursing home care is appropriate, and a Financial Assessment to calculate how much you may need to contribute.
How does the Fair Deal financial assessment work?
The Fair Deal financial assessment looks at income and assets, including pensions, savings, property, land, business interests and certain assets transferred in the previous five years. In general, the contribution is based on 80% of assessable income and 7.5% per year of assessable assets, with allowances, deductions and specific rules applying.
What happens to the family home under Fair Deal?
The family home may be included in the Fair Deal financial assessment, but the three-year cap can limit how long the home is assessed. This means the 7.5% annual contribution based on the value of the home is usually counted for a maximum of three years. Families may also be able to apply for the optional Nursing Home Loan to defer property-based contributions.
Can FairDeal360.ie help with a Fair Deal application?
Yes. FairDeal360.ie helps families understand the Fair Deal process, prepare for the financial assessment, identify the documents needed, review the application and, where required, provide more detailed support with the Fair Deal application process. This can be especially useful where there are savings, property, pensions, rental income, a family home, or questions about the Nursing Home Loan.
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