Funding Advice

This section is designed to provide a brief overview of how care and support for older people can be accessed and funded. For a more in-depth guide on how to arrange the support of a care provider or access the funding you may be entitled to, we recommend that you visit the following advice websites:

Age UK – Care Home Advice
NHS – Care Home Advice

Finding Older People's Care

If you feel that you need some extra support or that you may need to move on to a care home, you should contact your local social services department. They will be able to advise you on the support you might be able to receive to assist with your own personal situation.

Accessing a Care Home

For most people, the first step towards accessing an Older People's care home will begin with an assessment of their needs by their local Social Services department. If the assessment identifies that you require permanent residential or nursing support, your social worker will provide you with a list of local homes that will be able to support your needs.

You, or a loved one / advocate, will have the opportunity to visit these homes so you can decide which one you would like to live in. Your social worker will advise you when you might be able to join the home and help you make the necessary arrangements for moving in.

Funding Your Care Home

Your social worker will undertake a means assessment, which will determine whether you will receive funding towards the costs of your care. The amount of money you will need to contribute towards the costs of your care depends upon your assets – including your savings and the value of your home (if you own it). If you own a home that your spouse or civil partner still lives in, this will not be used towards paying for your care

The amount you will need to contribute depends upon where your assets fall within the below thresholds:

Senior Care funding thresholds table

  • If you have assets above the value of the Higher Limit they will be used to pay for all of the costs of your care until they fall below the higher limit.
  • If the value of your assets falls below the lower limit, they will not be used towards the costs of your care.
  • If the value of your assets is between the higher and lower limits, you will be required to make a contribution towards the costs of your care with these, with Social Service paying the remainder. The amount of this contribution will depend upon the overall value of your assets. Once the value of your assets reaches the lower threshold, they will not be used to pay towards the costs of your care. 
  • If you require nursing care, the nursing element of your fees will be paid by the local authority regardless of these thresholds.

Any income you receive, such as benefits or pension, will be used to contribute towards the costs of your care, except for a Personal Allowance of around £22 per week.

If you are interested in accessing a Community Integrated Care Older People's Care Home, we are happy to provide you with further advice and information.

Accessing non-residential support

There is a range of support available to older people as an alternative to living permanently in a care home such as home care, day care, or respite care. To find out what support you might be able to access, you should speak to your local social services department, who will assess your needs and identify the support you require.

Your social worker will undertake a means assessment which will evaluate if your care will be fully or partially funded by your local authority, or if you will need to pay the entire costs for this yourself.

Self-Funding

If you require support but are assessed as being ineligible for funding by your social worker, you can in many instances pay for these services independently. All of Community Integrated Care Older People's care services are available for people who wish to self-fund. 

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For more information about our Older People's services, get in touch: