Paying for Care & Support
When arranging care for yourself or a loved one, one of the most important considerations is how the care will be funded. There are a number of options available depending on your needs, eligibility and financial situation.
For some individuals, financial support may be available through the local authority or NHS following an assessment of care and support needs. This can help contribute towards the cost of care depending on eligibility and personal circumstances. Others may choose to privately fund their care, allowing more flexibility and choice over the support they receive.
There are also benefits and allowances that may help towards care costs, such as Attendance Allowance or Personal Independence Payment (PIP). Understanding the funding options available can help make the process feel more manageable and provide reassurance when planning ongoing care and support.
NHS Continuing Healthcare
NHS Continuing Healthcare (CHC) is a package of care that is fully funded by the NHS.
Who is it for?
- People with complex or ongoing health needs
- Individuals whose care is considered a primary health responsibility of the NHS
What does it cover?
If you qualify and receive care at home, the NHS may cover:
- Personal care and nursing support
- Equipment and home adaptations
- Healthcare-related costs
The NHS does not usually cover everyday living costs such as rent, food, or household bills.
How to apply
- Speak to your GP, nurse, or social worker
- Contact your local NHS services
www.nhsdirect.nhs.uk
Tel: 0845 4647
Local Authority Support
Direct Payments
Direct Payments allow you to receive money directly from your Local Authority to arrange your own care.
Key benefits
- Greater choice and control
- Flexibility in how care is delivered
- Ability to choose your own carers or services
How it works
- You must first have a care needs assessment
- Payments must be used to meet your agreed care needs
- Spending must be approved by your social worker
You can use Direct Payments to fund:
- All of your care
- Part of your care, alongside other services
Self-Directed Support & Individual Budgets
Self-Directed Support allows you to plan and manage your own care with a personal budget.
How it works
- Request an assessment from Adult Social Care
- If eligible, receive a personal budget
- Choose how your care and support is arranged
What you can do
- Hire personal assistants
- Choose care providers
- Access community-based support
Important information
- You will complete a Self-Directed Support Questionnaire (RAS)
- This helps determine your care needs and funding
Your budget may include funding from:
- Independent Living Fund
- Supporting People
- Disabled Facilities Grant
Privately Funded Care Options
If you are not eligible for public funding, you may choose to fund your care privately.
Options include:
- Equity Release – unlocking money from your home
- Annuity-Based Care Plans – regular payments to cover care costs
- Long-Term Care Insurance – covering future care needs
It is recommended to speak with a qualified financial adviser
www.fsa.gov.uk
Benefits to Support Care Costs
Attendance Allowance (AA)
A tax-free benefit for people aged 65 and over who need help with personal care.
You may qualify if:
- You have a physical or mental disability
- You need help looking after yourself
Savings and income usually do not affect eligibility
Tel: 0800 882200
Disability Living Allowance (DLA)
A tax-free benefit for people under 65 who need support with:
- Personal care
- Mobility
You may qualify if:
- You have a long-term condition affecting daily life
Tel: 0800 882200
www.dwp.gov.uk
www.direct.gov.uk
Independent Living Fund (ILF)
The Independent Living Fund supports disabled people to live independently in their own homes.
Key points:
- Available for people aged 16 to 65
- Helps fund personal care
- Earnings are not taken into account, so you can continue working
Tel: 0845 601 8815
e: [email protected]
Getting Started
If you’re unsure which option is right for you:
✅ Contact your local Adult Social Care team
✅ Request a care needs assessment
✅ Speak to a financial adviser if considering private funding
