Get help with Residential Care Subsidy or Residential Care Loan paperwork

A Residential Care Subsidy is a payment made by Work & Income to the residential care provider to cover some or all of the cost of care. A Residential Care Loan is an interest-free loan that can be granted towards cost of care. The criteria for receiving a subsidy or loan are stringent and applying can be tricky.

Public Trust can prepare this for you to ensure it is completed correctly.

How we can help

  • Right first time

    Subsidies can only be backdated up to 90 days before the date the application is received. Getting it right first time helps you avoid paying the rest home fees until your application is accepted.

  • Avoid rejection

    If the application is not completed correctly, it may be rejected and need to be redone, or you will have to go through a lengthy review process, which can be costly and uncertain.

  • We do the scary paperwork

    The law, policy and practice in this area is complex. We can help you navigate this, completing the forms and providing the supporting documentation.

  • Less stress

    Letting Public Trust do the work enables you to concentrate on other important matters, such as settling a family member into a rest home.

How Residential Care Subsidies and Residential Care Loans work

The cost for residential care at a hospital or rest home is expensive and can be difficult to manage for some. Subsidies and loans are offered to ease the financial burden.

A Residential Care Subsidy (RCS) can cover some or all of the costs and is paid directly to the care facility.The amount paid depends on the value of the applicant's assets and their income.

A Residential Care Loan (RCL) may be available for those who are asset rich (they own their home) but cash poor. The loan is repaid when the applicant sells their home or passes away.

If you or a loved one require residential care, it’s important to find out your eligibility for an RCS or RCL in a timely fashion to avoid escalating financial burden.

Applying for a subsidy or loan

Applying for an RCS or RCL is a two-step process, which includes completing a complex 20-page application form and providing supporting documentation. Public Trust can prepare this for you to ensure it is completed correctly.

  • Step 1

    Your care needs are assessed by a Needs Assessment Service Coordinator (NASC). If they deem that residential care is required, they will provide an RCS/RCL application form to complete, which will enable WINZ to assess your eligibility for financial support.

  • Step 2

    Income and assets are assessed for both the applicant and their partner. Public Trust can help with collecting and preparing the supplementary information required for the application.

How much will it cost?

Everyone’s situation is different, so Public Trust charges for the time your individual application takes. Once we’ve spoken to you, we can give you an estimate of how much this will be.

Contact us today

Fill in the form to speak to a Public Trust adviser about your RCS/RCL application, or the other burdens of transitioning to residential care or call us directly on 0800 371 471.