There are five main funding routes for home care in the UK. Most families end up using a combination. This guide walks through each, who qualifies, and how to apply.
If your care needs are primarily health-related (not just age-related), the NHS pays 100% — including a live-in carer at home. There is no means test. Eligibility is decided through a Decision Support Tool assessment by your local CCG/ICB.
A weekly contribution towards the nursing-care element of your needs if you have a registered nurse involved in your care. Stackable with self-pay or local-authority funding. Current rate published on gov.uk.
If your savings are below the current means-test threshold in England, the council can fund or part-fund home care. Apply via your council's adult social services for a 'needs assessment' followed by a financial assessment. Above the threshold you self-fund. Current thresholds are published on gov.uk.
A non-means-tested benefit for people over State Pension age who need help with personal care, paid at a lower and a higher weekly rate. Worth applying for the moment care needs begin — almost everyone with care needs qualifies. Current rates published on gov.uk.
Most live-in care is self-funded from a combination of pension income, Attendance Allowance and savings. Equity release and deferred-payment agreements can free up money tied up in the home.
No — for home care (unlike residential care) the value of your house is disregarded in the means test.
Initial Checklist within 28 days, full DST assessment within 28 days of that. Push hard if delayed — you can request a fast-track for end-of-life situations (decision in 48 hours).
Yes — you can pay privately for additional hours or a different carer alongside CHC funding.
Our care manager will walk through what you're likely to qualify for. No charge, no commitment.
Our care manager will walk through what you're likely to qualify for. No charge, no commitment.
