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Who pays for residential care?

Financial FAQs

If you’re considering moving into a care home, or you are exploring care options for a loved one, you might be wondering how much it will cost and how you will pay for it. This is a common concern, and information on the subject can often be confusing or unclear.

We understand that the sheer amount of information available can be quite overwhelming, and sometimes complex. In this article, we will pull together all the information available to help you understand the ins and outs of funding your care or helping someone access care.

Care Funding

While there is funding available to help pay for the care of older people living in care homes, the amount given can vary depending on individual circumstances. At present, there are 4 main types of funding available in England, Scotland and Wales.

Residential Care Funding

Local Authority Funding

Care funding from your local authority is means-tested. This means the amount of funding you receive will depend on your financial situation, including savings and assets. If you have funds above the upper capital limit for your region, then you will be responsible for the cost of a care home.

Self Funding

If you have the means to pay for your own care, then you are free to do so. This can be arranged directly with the care home of your choice, who will talk you through the process and costs.

NHS Continuing Healthcare

NHS continuing healthcare is for eligible adults whose needs have been assessed by a team of healthcare professionals. If you meet the criteria for NHS continuing healthcare, then you will qualify for free social care arranged and funded solely by the NHS.

NHS Funded Nursing Care

If you require nursing care, you may be eligible for NHS-funded nursing care. This means that the NHS will pay for the nursing care component of your nursing home fees. This type of funding is usually extended to individuals who are not eligible for NHS continuing care but have been assessed as requiring nursing care in a care home.

Top-Ups and Extras

If you are eligible for financial support it is likely that you will not have to pay any additional fees towards your care. However, some people may choose to ‘top up’ their care home funds with their own money to pay for a larger room or extra services in the care home. Access to premium facilities and optional extras vary between care homes, so it is worth asking about these when enquiring about the price.

Funding Help & Advice

We understand that money worries can leave you feeling anxious and out of sorts, especially if you or your loved one are in need of care. There are many independent organisations that are on hand to offer help and advice in regards to care home funding. In the first instance, we would suggest speaking with the social services team at your local authority. They are best placed to advise regarding funding and arranging the appropriate assessments.

The General Manager across our care homes are also on hand to provide advice about the types of care we provide and how we can support you. If you have any questions, please do not hesitate to call us. We would be delighted to help where we can or refer you to the appropriate service for your need.