Nursing Home Costs, Care Options, and Funding Guide for Elder Care in Ireland 2025

How does the Fair Deal Nursing Homes Support Scheme work in 2025?

The Fair Deal Nursing Homes Support Scheme, officially known as the Nursing Homes Support Scheme, remains a cornerstone of Ireland’s approach to funding long-term residential care for older adults. In 2025, the scheme continues to provide financial support to those who require nursing home care, based on their means and assets. Under this system, individuals contribute a portion of their income and assets towards the cost of care, while the state covers the remainder.

The scheme assesses both the applicant’s income and assets, including savings and property. A key feature is that for many, the contribution based on their principal residence is deferred until after their passing, through what’s known as the Nursing Home Loan. This approach aims to alleviate the immediate financial burden on families while ensuring sustainable funding for quality care.

What is the eligibility and application process for nursing home support in 2025?

Eligibility for the Fair Deal scheme in 2025 continues to be based on both care needs and financial means. To qualify, an individual must:

1. Be ordinarily resident in Ireland

2. Be assessed as requiring long-term nursing home care

3. Submit a completed application form with all necessary documentation

The application process involves several steps:

1. Care Needs Assessment: Conducted by healthcare professionals to determine if nursing home care is required.

2. Financial Assessment: Evaluation of the applicant’s income and assets to determine their contribution.

3. Application Submission: Completed forms and supporting documents are submitted to the local Nursing Homes Support Office.

4. Decision and Approval: The HSE reviews the application and communicates the decision.

It’s important to note that while the process aims to be efficient, waiting times can vary depending on the volume of applications and individual circumstances.

How are nursing home costs and resident contributions calculated?

Nursing home costs in Ireland vary depending on factors such as location, facility type, and services offered. In 2025, the average weekly cost of nursing home care ranges from €1,000 to €1,500, with higher rates in urban areas and for specialized care.

Under the Fair Deal scheme, resident contributions are calculated as follows:

1. 80% of the individual’s assessable income

2. 7.5% of the value of any assets per annum (5% for applications made before July 2021)

3. The first €36,000 of assets, or €72,000 for a couple, is not taken into account

For the principal residence, the 7.5% contribution is only applied for the first three years of care, known as the “three-year cap.”

---

Contribution Type	Percentage	Notes
Income	80%	Of assessable income
Assets	7.5% per annum	Excludes first €36,000 (single) or €72,000 (couple)
Principal Residence	7.5% per annum	Capped at 3 years

Prices, rates, or cost estimates mentioned in this article are based on the latest available information but may change over time. Independent research is advised before making financial decisions.

---

What options are available for choosing a nursing home in 2025?

In 2025, Ireland offers a diverse range of nursing home options to cater to varying needs and preferences. These include:

1. Public nursing homes: Operated by the Health Service Executive (HSE)

2. Private nursing homes: Independently owned and operated facilities

3. Voluntary nursing homes: Run by charitable organizations or religious orders

When selecting a nursing home, factors to consider include:

• Location and proximity to family

• Specialized care services (e.g., dementia care, rehabilitation)

• Facility amenities and activities

• Staff-to-resident ratios

• Inspection reports and quality ratings

It’s advisable to visit multiple homes, speak with staff and residents, and review recent HIQA (Health Information and Quality Authority) inspection reports before making a decision.

Are there additional financial supports and tax reliefs available for elder care?

Beyond the Fair Deal scheme, several additional financial supports and tax reliefs are available to those in nursing home care or their families in 2025:

1. Medical Card: Covers GP visits, prescribed medications, and some community care services.

2. Tax Relief on Nursing Home Expenses: Available at the highest rate of income tax paid by the individual or family member paying for care.

3. Dependent Relative Tax Credit: For family members supporting a dependent relative.

4. Home Carer Tax Credit: For married couples or civil partners where one partner cares for a dependent person.

5. Carer’s Allowance: A means-tested payment for full-time carers, which may be relevant for those providing care before nursing home admission.

It’s important to consult with a financial advisor or the Citizens Information Service to fully understand and avail of all applicable supports and reliefs.

In conclusion, navigating nursing home care in Ireland in 2025 involves understanding the Fair Deal scheme, assessing costs and contributions, choosing the right facility, and exploring all available financial supports. While the system aims to provide comprehensive support, it’s crucial for individuals and families to plan ahead, seek professional advice, and consider all options to ensure the best possible care and financial stability in later life.