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 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 CapitalHow 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 |
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