Working out how to pay for care can feel complicated. This guide gives an overview of the main routes in England. Rules and limits change, so always check the latest information with your local council or an independent adviser.
Start with a needs assessment
Anyone who appears to need care and support can ask their local council for a free needs assessment. The council looks at what help the person needs and whether they meet the national eligibility criteria.
The financial assessment
If the person is eligible, the council carries out a financial assessment to decide how much, if anything, they should pay towards their care. People with savings and capital above a set limit usually pay for their own care. Your council can tell you the current limits.
Direct payments
If the council is funding care, you can often ask for the money as a direct payment, so you can choose and arrange care yourself, including with a provider like POVA Care.
NHS Continuing Healthcare
Some people with significant, ongoing health needs may qualify for NHS Continuing Healthcare, where the NHS pays for the full package of care. Ask the GP, hospital team or social worker about an assessment.
Benefits that can help
Attendance Allowance is for people over State Pension age who need help because of an illness or disability. Younger adults may be able to claim Personal Independence Payment. Neither depends on savings.
Paying privately
Many people arrange and pay for their care directly. If you do, ask any provider for a clear explanation of their charges and what is included.
Where to get independent advice
Your local council, Age UK and Citizens Advice can all give free information about paying for care.
This guide gives general information only. For advice about a particular situation, speak to your GP, local council or an independent adviser.