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How to apply for Fair Deal

To apply for the Fair Deal scheme you will need to complete and sign the application form. By completing the form you are applying for a care needs assessment and financial support.  

Send the completed form with the documents listed on the application form to your Local Nursing Homes Support Office. We will let you know when we have received your application.

People with reduced capacity to make decisions

A specified person may apply on behalf of a person needing care if they are unable to apply themselves. A specified person can be a:

  • care representative (a person appointed by Circuit Court)
  • Ward of Court (a person appointed by Office of Ward of Courts)
  • A holder of a registered enduring power of attorney (chosen to act on behalf of another person)
  • spouse or partner
  • relative over 18 years of age
  • legal representative
  • registered medical professional, nurse or social worker

Find out more about reduced capacity to make decisions

We will contact you to arrange a care needs assessment. This will assess your need for nursing home care. It also looks at whether you can be supported to continue living at home.

A public health nurse or medical professional will assess your:

  • ability to perform daily tasks such as dressing and washing
  • level of independence
  • cognitive functioning - levels of attention, memory, learning, and language

You will receive a decision in writing after the assessment.

Find out more about the care needs assessment.

We will calculate how much you will pay towards the cost of nursing home care.

The amount depends on your income (money received on a regular basis) and assets (investments and property).

If you have little income and assets, you pay less. If you have more, you pay more.

The amount your nursing home charges does not matter.

For example: if the amount is calculated at €200 per week this will be the same whether the nursing home charges €770 per week or €1050 per week. We will pay the balance.

Your contribution is based on all of the following. You will pay:

  1.  80% (40% if you are part of a couple) based on your income 
  2. 7.5% (3.75% if you are part of a couple) of your cash assets such as savings, stocks, shares
  3. 7.5% (3.75% if you are part of a couple) of your assets such as land or property

The first €36,000 (€72,000 if you are part of a couple) is excluded from the assessment. This is excluded firstly from your cash assets and then any remainder from your non-cash assets.

Your home will only be included in the financial assessment for a period of 3 years. You will not pay more than 22.5% (11.25% if you have a part of a couple) of the value of your home. This cap can also extend to your farm or business.

We will send you a letter to confirm the amount you will pay. You will receive a further letter to confirm your funding approval.

Find out more about how we calculate how much you will pay.

You can apply for a nursing home loan if you own property in Ireland. This can be a house, land, business property or any other property in the State.

The nursing home loan is optional. If you want to apply for it, you should complete this section in the Fair Deal application form.

The process of applying for a nursing home loan can sometimes take several months. It is advised you apply for the loan when you apply for Fair Deal funding. You do not need to accept the nursing home loan if you are approved.

If you are applying on behalf of someone, only these specified person can apply for the nursing home loan:

  • A care representative (a person appointed by Circuit Court)
  • A Ward of Court (a person appointed by Office of Ward of Courts)
  • A holder of a registered enduring power of attorney (chosen to act on behalf of another person)

Find out more about the nursing home loan

Repaying the nursing home loan

You can choose to pay the loan back at any time. You do not have to pay the amount during your lifetime but will be collected from your estate upon death. 

If your partner is still living in your home after your death, they can apply for a deferral. This means the loan amount based on the home can be collected from their estate after their death.

Find out more about:

Applying for Fair Deal    After you receive Fair Deal