Paying For Care

There are three ways in which care at home is paid for in the UK:

  1. The person being cared for (or their family) pays all the costs for their care; known as self-funding.
  2. The local authority funds some or all of the care; or
  3. In England only, the NHS contributes to some or all of the care

Do you qualify for funding?

To get financal support for home care, the Local Authority will carry out a needs assessment. If you are assessed as having eligible needs the council will then offer to carry out a financial assessment. The diagram below give you more detail:

Saving & Assets

Above

£23,250



Saving & Assets

Below

£23,50 but above

£14,250

Saving & Assets

Below

£14,250

You are responsible for the full cost of care, until your assets drop to £23,250 or below.

You can then contact the local authority for another means test.

Local authorities pay for care, but for every £250 of savings between £14,250 and £23,250 you will have to contribute £1 to the fees (tariff income).

Local authorities pay all the care fees, although third party top up fees can still be paid.

In assessing your assets, the value of your home is NOT counted as part of your capital.

How to pay?

If you qualify for financial support from the local authority to pay all, or part of your care fees, they will pay the agreed amount directly to ENA HomeCare Services. If you plan to partially or totally self-fund your care, you will find our pricing schedule easy to understand, giving you control over the services you pay for.