How to Fund Home Care: Your Options Explained
How to Fund Home Care: Your Options Explained
Understanding how to pay for care can feel overwhelming. We break down the main funding routes, from local authority support to NHS continuing healthcare.
Local authority funding
Your local council has a duty to assess anyone who appears to need care and support. If you are eligible, the council will carry out a financial assessment to determine how much you should contribute towards the cost of your care.
If your savings and assets (excluding your home in most cases) are below the upper capital limit, you may receive partial or full funding. The thresholds and rules can be complex, so it is worth seeking independent financial advice.
NHS Continuing Healthcare
NHS Continuing Healthcare (CHC) is a package of care funded entirely by the NHS for individuals with a primary health need. It is not means-tested, meaning your income and savings are not taken into account.
To be eligible, you must undergo a comprehensive assessment by a multidisciplinary team. The process can take time, but if you or your loved one has complex or unpredictable health needs, it is worth pursuing.
Self-funding and other options
If you do not qualify for council or NHS funding, you will need to arrange and pay for your own care. This is known as self-funding. While this gives you more flexibility and choice, it is important to plan carefully to ensure your finances last.
Other options include Attendance Allowance (a non-means-tested benefit for those over State Pension age), Personal Independence Payment (for those under State Pension age), and equity release schemes. A specialist care fees adviser can help you explore all available options.
Need personalised advice?
Every situation is different. Our care coordinators are happy to discuss your specific circumstances and help you find the right support.
