Finding Clarity on Care Funding
When you or someone you love needs support at home, understanding who contributes to the costs shouldn't be another worry. At Routes Healthcare, we believe in transparent conversations about funding – because clarity creates confidence.
The 3 Main Funding Sources
Home care in the UK typically comes from:
- Local Council Support
- NHS Funding
- Self-Funding (Private Pay)
Most people use a blend of these options. Let's explore what each means for you.
Local Council Funding: Understanding Eligibility
Your local council might contribute to care costs if:
- Your care needs assessment shows you require support
- Your savings and assets fall below certain thresholds
In England, if you have more than £23,250 in savings, you'll likely need to fund your own care initially. With less than this amount, the council may contribute based on your individual circumstances.
Our Genuine Advice: Even if you think you won't qualify for council funding now, we genuinely recommend having an assessment. Your situation might change, and having your needs officially recorded creates important foundations for future support.
NHS Funding: When Health Needs Lead the Way
The NHS may fully fund your care through Continuing Healthcare if your needs are primarily health-related.
This funding isn't affected by your finances – it's based purely on health needs, meaning your savings and home aren't considered.
Self-Funding: Making Informed Choices
If you're covering costs yourself, several resources can help:
- Regular income from pensions and investments
- Benefits such as Attendance Allowance (currently up to £101.75 weekly)
- Savings and investments
- Property-related options like equity release
Our Supportive Approach
At Routes Healthcare, we understand the importance of clear, transparent conversations about funding. Our team is here to:
- Create clarity around which funding options might work for your unique situation
- Support you through assessments with understanding and expertise
- Connect you with the right resources when you need them
We believe everyone deserves to thrive in their own home, with care that feels right and funding that's sustainable.
