Funding

In recent years the UK has adopted a “Home First” way of working in which they will always, if possible, support services in your home rather than moving someone into Nursing, Care or Residential homes. Essentially this is for two reasons, to protect the person’s quality of life and independence, and the cost implications of residential homes can be higher than home care. 

The great thing is that you may be eligible for support. If the council carry out a needs assessment (to see if you “need” it) and see that you do need support at home, they will do a means test to look at your personal finances, including your income and your savings (excluding the value of your property – meaning you don’t have to sell your property to fund your home care).

Do you have more than £23,250 in capital?

You must pay for all care fees – known as self funded.

Do you have between £14,250 and £23,250 in capital?

The local council will pay for some of your care fees - known as part funded.

Do you have less than

£14,250 in capital?

The local council will pay for your care so long as your income does not exceed £189.00 per week – known as the minimum income guarantee. Certain disability benefits and pensions may not be included in the means.

Some disability benefits and pensions may not be included.