Do we lose the house under Fair Deal?

No. The home counts for the first 3 years in care only: 7.5% of its value a year, 22.5% in all (11.25% with a partner at home). With the Nursing Home Loan nothing is paid on it until after death.

How much of the pension is kept?

At least 20% of income, or €57.60 a week (20% of the €288 State Pension (Non-Contributory)), whichever is more. A partner at home keeps half the couple's income, or at least €288.

Is it the same price in every nursing home?

The share you pay is the same in any nursing home in the scheme. The HSE pays the rest of that home's agreed price. Extras like hairdressing aren't covered.

When is the Nursing Home Loan paid back?

Within 18 months of death (12 months before 5 September 2026), or 6 months after the property is sold, with inflation added. After that, interest is charged.

Carers and disability

Fair Deal: what would we pay for a nursing home?

What you pay each week under Fair Deal, what the HSE pays, and what the home and the Nursing Home Loan mean.

Self-assessment tool. The figures come from your own answers. It isn't advice, and you're responsible for what you file or claim. heypenny.ie is a trading name of Kinch Press. Read the disclaimer.

Common questions

Do we lose the house under Fair Deal?: No. The home counts for the first 3 years in care only: 7.5% of its value a year, 22.5% in all (11.25% with a partner at home). With the Nursing Home Loan nothing is paid on it until after death.
How much of the pension is kept?: At least 20% of income, or €57.60 a week (20% of the €288 State Pension (Non-Contributory)), whichever is more. A partner at home keeps half the couple's income, or at least €288.
Is it the same price in every nursing home?: The share you pay is the same in any nursing home in the scheme. The HSE pays the rest of that home's agreed price. Extras like hairdressing aren't covered.
When is the Nursing Home Loan paid back?: Within 18 months of death (12 months before 5 September 2026), or 6 months after the property is sold, with inflation added. After that, interest is charged.

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