Funding Options for your Care
Navigating the financial side of care can be confusing, but we’re here to help. Our funding page provides essential information on the various options available, including local authority funding, personal contributions, and private payment solutions. We can help guide you through the process to ensure that you understand your options and can make an informed decision.
Local Authority Funding
If you or a loved one require care and support, you may be eligible for financial assistance from your local authority. This typically involves:
A Needs Assessment – Your local council will assess your care requirements to determine your eligibility for support. This is also sometimes called a “Care Act Assessment”
A Financial Assessment – If you qualify for care, a means test will assess your income and assets to determine whether you qualify for full or partial funding.
Direct Payments or Managed Budgets – If eligible, you can receive direct payments to arrange your own care or have the council manage payments on your behalf.
Your financial assessment will consider your savings, income, and other assets, including property if you require care in a care home. Any debts you have will be subtracted to determine your total financial position.
Your assessment is based on your individual finances, meaning your partner or spouse’s income and assets will not be included. If you are receiving care in your own home, the value of your property will not be considered, making it more likely that you will qualify for financial support.
You can start the process easily! Just select your local authority from the options below to get started.
The level of funding support you receive depends on the total value of your savings, income, and assets, as well as where you live in the UK.
In our area, the savings thresholds for care fees are:
Upper threshold: £23,250
Lower threshold: £14,250
If your savings are above the upper threshold, you will likely need to pay for the full cost of care. If your savings fall below the lower threshold, you will qualify for full financial support and if your savings are between these two thresholds, you will be expected to contribute towards the cost of care, but you may still receive some funding, so don’t lose heart!
Just don’t forget to come right back and let us know how we can help!
NHS Continuing Health Care
For those with significant health needs, the NHS may cover the cost of care through Continuing Healthcare (CHC) funding. This is a fully funded package provided outside of hospital settings, such as in a care home or your own home. Eligibility is determined by a detailed assessment conducted by healthcare professionals.
This type of funding assessment is usually arranged through your GP surgery.
Attendance Allowance
Attendance Allowance is available for individuals over State Pension age who need additional support due to illness or disability. This benefit is not means-tested, meaning your income and savings do not affect your eligibility.
You can complete the application form online, download a copy to print or request one be sent to you. For more information visit www.gov.uk/attendance-allowance or call 0800 731 0122.
Personal Independence Payment (PIP)
PIP is available for individuals under State Pension age who need help with daily living or mobility due to a disability or long-term health condition. Like Attendance Allowance, PIP is not means-tested and is based on how your condition affects you rather than your financial situation.
For more information or to apply, visit www.gov.uk/pip or call 0800 917 2222
Still have Questions?
There may be further help and support out there for you, with many charities and organisations offering financial assistance or advice. Our friendly team will be happy to discuss your needs and situation and offer guidance and signposting which relate to your specific circumstances.