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Funding for care homes
Funding for care homes can seem extremely complex and difficult to understand. Carehome Selection has produced this factsheet which shows all the different funding pathways at a glance. For more detailed information about the individual assessments please see our separate factsheets on the local authority means test for care home funding and the assessment for NHS continuing healthcare funding.
Carehome Selection offers a free advice service to help you through every step of the route to choosing a care home for your relative, including assistance with the paperwork and financial issues.
Choose your circumstances to view the appropriate funding pathway:
- Capital above £23,250
- Capital above £14,250 but less than £23,250
- Capital below £23,250 but owns eligible property
- Capital below £14,250 without eligible property
- Criteria met for NHS Continuing Healthcare
Funding pathways
Capital above £23,250
Capital above £23,250
Self funding
Retains Attendance Allowance and Old Age Pension
Capital above £14,250 but less than £23,250
Capital above £14,250 but less than £23,250
Part social service funded. Means test will determine contribution paid by client
Contribution will include 'tariff' income until capital falls below £14,250
Contribution will include benefits (AA and OAP)
Retains personal expenses allowance
Capital below £23,250
Capital below £23,250
but owns eligible property
Onto 12 week property disregard scheme
Benefit income
(AA and OAP) will
be used towards fee
Contribution will include benefits (AA and OAP)
Property not sold. Deferred payment scheme
Property sold.
Capital now above £23,250
Social services continue to fund.
Benefit income continues to be used towards fees
Self funding
Retains personal expenses allowance
Attendance allowance and old age pension reinstated
Capital below £14,250 without eligible property
Capital below £14,250 without eligible property
Social service funded
Benefit income (AA and OAP) will be used towards fees
Retains personal expenses allowance
Criteria met for NHS Continuing Healthcare
Criteria met for NHS Continuing Healthcare
NHS pays full cost of care regardless of capital or income
Attendance allowance will cease
Retains Old Age Pension
* Funded Nursing Care (FNC) will be paid direct by the NHS to a nursing home for all clients who have been assessed as in need of qualified nursing care
* All types of funding arrangement are subject to review, both financially and from a ?needs? perspective. NHS Continuing Healthcare has specified review dates at three months then 12 months minimum.
