When you're exploring care options for yourself or someone dear to you, understanding the financial aspects shouldn't add to your worries. We hear this concern from families every day, and we genuinely understand.
At Routes Healthcare, we believe in transparent, supportive conversations about funding options. We've guided hundreds of families through this journey, and we're here to share genuine insights based on real experiences.
Our Care Funding Guide:
- Today's home care costs – transparent and clear
- Council support – clearly explained
- NHS funding – understanding the possibilities
- Benefits that make a difference
- Using your resources wisely
The Reality of Home Care Costs in 2025
We believe in complete transparency about what you might expect to pay:
- Visiting care: Support with daily activities typically ranges from £21-30 per hour
- Specialist care: Support for specific conditions may cost slightly more, as this depends on the care requirements. This is something that gets discussed at a home assessment
- Live-in care: Full-time support at home usually ranges from £1,200-1,500 per week
Before any care begins at Routes, we'll have a clear conversation about your unique situation and provide a transparent cost breakdown. No hidden figures, no surprises – just honest discussions that help you make confident decisions.
Council Support: Clearly Explained
Your Care Needs Assessment
This important conversation with your local council explores what support would help you thrive at home. It's your right to have this assessment, regardless of your financial situation.
Financial Assessment: The Facts
If your care needs assessment identifies that you need support, the council will review your finances:
- If your savings exceed £23,250 (in England), you'll likely need to fund your care initially
- If your savings are lower, the council may contribute towards your costs
Our Advice: Even if you think you won't qualify for financial help now, we genuinely recommend having these assessments. Having your needs officially recognised creates important foundations for future support.
NHS Funding: Understanding the Possibilities
If your needs are primarily health-related, NHS Continuing Healthcare could fund your care completely – regardless of your financial situation.
This funding is designed for people with significant health needs related to:
- Complex medical conditions
- Intensive nursing requirements
- Significant mobility challenges
- Challenging behaviours
Speak with your GP or social worker about an initial assessment. While the process can sometimes feel complex, we're here to support you with genuine understanding and expertise.
Benefits: Financial Support Available
Several benefits aren't affected by your savings and could significantly help fund your care:
Attendance Allowance
If you're over State Pension age and need help with personal care:
- Lower rate: £68.10 weekly
- Higher rate: £101.75 weekly
Personal Independence Payment (PIP)
If you're under State Pension age with health needs:
- Daily living component: Up to £101.75 weekly
- Mobility component: Up to £71.00 weekly
Many people miss out on these benefits simply because they don't know they're eligible. Our team can clearly explain what you might be entitled to, helping you access all available support.
Using Your Resources to Manage Care Costs
If you're contributing to your care costs, here are some considered approaches:
Your Regular Income
Your monthly income forms an important foundation:
- Pensions (state, private and workplace)
- Investment returns
- Rental income if applicable
Your Savings
Using savings requires thoughtful planning:
- Keep emergency funds separate
- Explore accounts that balance accessibility with growth
- Consider speaking with a financial advisor about approaches that work for your situation
Your Home
If you own your home, several options could help fund your care while you continue living in your familiar surroundings:
- Equity release allows you to access some of your property's value
- Renting a room could provide additional income
- Some councils offer deferred payment agreements
Creating Your Personal Approach to Funding Home Care
Most of our clients combine several funding sources to create a sustainable plan:
- Benefits to support regular costs
- Council funding if eligible
- Personal resources for additional needs
- Family support where appropriate
At Routes, we help you explore all possibilities with transparency and genuine care, creating a funding approach that works for your unique situation and gives you real peace of mind.
