Different types of Care Home Funding, Allowance & Benefits

Navigating the costs of care in a care home can be overwhelming, but understanding the funding options available from the Government or NHS can help simplify the process. Funding options depend on variety of factors.

What determines the type of funding I can receive?

Several factors determine your eligibility for funding, including:

1. Location of care: Whether care is provided in a private home or a care home setting
2. The social and health care needs: Specific care requirements based on your health
3. Ability to perform daily activities: Your capability to manage everyday tasks, such as washing and dressing
4. Financial situation: Your current financial situation

The complexity of your needs will influence whether you qualify for one type of funding or a combination of different sources.

• Local Authority contributions:Depending on your financial assessment, the Local Authority may cover some or all of your weekly care fees. The amount varies across the UK from LA to LA and are determined by local eligibility criteria and the assessed financial situation of the individual.
• NHS Continuing Health Care (CHC):  This funding covers long-term care for those with significant health needs.
• Funded Nursing Care (FNC):  Provides weekly payments for nursing care. Although available UK-wide, the amount varies by country.
• Personal Care (Scotland only): For Scottish residents aged 65 and over, this benefit replaces Attendance Allowance and is reviewed annually each April.
• Attendance Allowance: Available to those aged 65 and over, this allowance is based on health and mobility criteria. It stops after 28 days if you move into a care home and rely on public funding.
• Personal Independence Payment (PIP): Previously known as Disability Living Allowance, PIP is for individuals under state retirement age. There are two components to this benefit a daily living part and a mobility element

All the above benefits and allowances are subject to their own rigorous and separate assessments.

Advice about paying for care

Securing professional advice is crucial to finding the best way to fund your care. We recommend consulting a care fees expert who will advise you of the different types of care home funding available to you.

In order to make life easier we have contacted a national care fees planning specialist, Symponia, who are dedicated to the financial issues of later life, in particular the payment of care fees. Read more about how Symponia can help you and download their helpful handbook.

All information contained in this page was correct as at 28/02/2024*

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