Funding for home care
There are a few different options to consider when choosing a quality home care provider, but help is out there and funding for home care is available. If you are unable to self-fund your care, you may be qualified for assistance from your local council, the NHS or other means.
Local authority funding for care: how it works
There is local authority funding for care in your own home available, but how much they may offer you is up to the local council themselves. Firstly, you’ll need to determine who your local council is, and let them know of your situation. The council will identify the extent of the care required, to enable you or your loved one to live as independently as possible. This is called a ‘needs assessment’ and is free to anyone who would like one.
If the council find that you require care either in your home or in a residential setting, they will then carry out a “means test”. This is a financial assessment of your ability to fund the care.
If you’re eligible for it, the council could pay for some, if not most, of your care. The council will then decide whether they will pay for the full cost of your care, they will pay for some and you will pay the rest, or you will pay for all of your care yourself. The table below shows how much you will put towards the care home fees depending on your capital (savings and assets), which is calculated using the means test:
|Your Capital||How Much You Will Pay|
|Over £23,250||You pay the full fees|
|Between £14,250 and £23,250||The council will fund a portion of your care and you will pay for the rest of it|
|Below £14,250||The council will pay for all of your care fees or for most of it|
The means test is also free, so there is no cost involved in finding out if you’ll be paying for home care, or if your council will.
Begin your care journey
Get in touch
Our friendly care advisors are available on 0330 094 5511 to guide you through the process, explain your options and answer any questions you may have.
Free home care assessment
A qualified member of our team will contact you to discuss your needs.
We will work with you and your family to create a person-centred care plan, which is reviewed regularly when your care begins.
How to pay for home care
“The care and support you given my mother whilst she has been unwell has been above and beyond.”
Get in touch
To speak to a member of our team about cost of care or to enquire about our how to pay for care services, please call us on 0330 094 5511 or fill out our contact form. A member of the team will be in touch within 2 working hours.
Care Service Enquiry
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