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Understanding Funding for Care at Home: What Most Families Don’t Know
Many people assume they must pay everything themselves. In reality, several routes often combine.
Attendance Allowance
Attendance Allowance (not means-tested) — around £77 or £115 a week for those over State Pension age who need help with personal care or supervision.
Local authority funding
Local authority funding — after a needs assessment and financial assessment. In England the upper capital limit is £23,250; your home is usually disregarded if you still live there.
NHS Continuing Healthcare
NHS Continuing Healthcare — if the primary need is health-related.
Direct payments or personal budgets
Direct payments or personal budgets — giving more choice over how care is arranged.
Carer’s Allowance
Carer’s Allowance for family members providing substantial unpaid care.
Wales has different rules (including a weekly charge cap), and Scotland offers free personal and nursing care for those assessed as needing it. Always request a free benefits check and a formal care needs assessment — both are legal rights under the Care Act 2014.
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