Understanding the costs of home care and the financial support available can feel overwhelming. Our comprehensive guide breaks down everything you need to know about funding options, local authority support, NHS continuing healthcare, and more.
How Much Does Home Care Cost?
The cost of home care varies depending on where you live, the type of care needed, and the provider you choose. On average, home care in the UK costs between £20 and £30 per hour. For live-in care, you can expect to pay between £600 and £1,500 per week depending on your location and the complexity of care required.
It's important to get quotes from multiple providers to compare prices and services. Our directory makes this easy by bringing together thousands of vetted care providers in one place.
Local Authority Funding
If you or your loved one has care needs, the first step is to contact your local authority for a care needs assessment. This assessment determines what level of care is required and whether you qualify for financial support from the council.
The local authority will also carry out a financial assessment (means test) to determine if they will contribute towards the cost of care. If you have savings above £23,250 (in England), you will likely be expected to fund your own care. If your savings are below this threshold, the local authority may contribute towards your care costs.
Key Points
- Request a care needs assessment from your local authority
- A financial assessment determines who pays for care
- Savings over £23,250 usually mean self-funding
- Your home may be excluded from the means test if certain conditions apply
NHS Continuing Healthcare
NHS Continuing Healthcare is a package of care funded entirely by the NHS for individuals with significant and ongoing healthcare needs. Unlike social care, which is means-tested, NHS Continuing Healthcare is based solely on your health needs and is free at the point of use.
To qualify, you must have a "primary health need" as determined by a comprehensive assessment. This means your care needs are primarily health-related rather than social care needs.
Self-Funding
If you are self-funding, you have the freedom to choose any care provider that meets your needs. You can negotiate rates directly with providers and have more flexibility in the type of care you receive. It's advisable to get a care needs assessment from your local authority even if you plan to self-fund, as it provides a professional evaluation of your care requirements.
Other Financial Support
There are several benefits you may be entitled to, including Attendance Allowance, Personal Independence Payment (PIP), and Disability Living Allowance. These benefits are not means-tested and can provide additional financial support towards the cost of care. You can check your eligibility using the government's benefits calculator.
