A Detailed Guide to Funding & Planning Your Care
Planning home care for yourself or a loved one is an important process that requires careful consideration of financial options.
Costs for care vary significantly depending on the type and intensity of care required, so understanding available funding sources is crucial.
Financial Support from Government Benefits
Several government benefits can help offset the costs of home care:
1. Attendance Allowance
This benefit is for individuals aged 65 or older who need help with personal care due to a physical or mental disability. It’s not means-tested, so your income and savings won’t affect eligibility.
- Higher Rate: For those requiring assistance throughout both day and night.
- Basic Rate: For those needing help during either day or night.
For application details, click here
2. Personal Independence Payment (PIP)
Designed for people aged 16 to 64 with long-term health conditions or disabilities, PIP helps cover additional daily living or mobility costs. It’s assessed on how your condition affects you, not on the condition itself.
- Daily Living Component: For everyday tasks like dressing and eating.
- Mobility Component: For support with moving around or traveling.
Find more details at gov.uk/pip
3. Carer’s Allowance
If you care for someone for at least 35 hours a week and meet certain income and employment conditions, you might qualify for Carer’s Allowance. The person being cared for must also receive certain benefits.
Explore more at gov.uk/carers-allowance
Support from Local Authorities and Social Services
Your local council may assist with care funding if your savings are under £23,250. The process typically starts with a Community Care Assessment, which evaluates your care needs. If eligible, funding is administered through:
- Direct Payments: These allow you to arrange and pay for care yourself, offering flexibility and control.
- Council-Arranged Care: The council can directly provide services or work with care providers on your behalf.
Visit Norfolk County Council for further information on accessing council support.
For those with savings between £14,250 and £23,250, the council may provide partial financial support, requiring you to contribute based on income and expenses.
NHS-Funded Care for Complex Needs
If you or your loved one has significant healthcare requirements, the NHS may provide free care through the following programs:
NHS Continuing Healthcare (CHC)
This fully funded care is available for individuals with ongoing and complex health needs. It covers personal and medical care in various settings, including at home or in care facilities. Eligibility is determined by an assessment conducted by healthcare professionals. Learn more from the NHS here
Personal Health Budgets
These budgets are allocated to those eligible for NHS Continuing Healthcare or certain other services. They give you control over how your healthcare is planned and delivered, allowing you to choose care services that suit your needs. More details are available here on the NHS website.
Making Informed Decisions
Planning for care involves considering the needs, preferences, and financial situation of the individual. Engage with professional advisors or your local council to ensure all options are explored. For more resources, visit or contact the relevant government departments through the links provided above.