The following questions and answers are intended to answer some of the common question that arise when people are considering the funding. i.e. how to pay, for living in a nursing care home.
If you think you will be self-funding your care home place:
People with assets over £23,500 will be eligible to fund their own care. Get in touch with our care home manager directly to discuss applying for a care home place.
If you are unsure that you can self-fund your care home place:
People should seek advice such as requesting a Local Authority financial assessment to determine funds available and how long this funding is likely to last.
What if the person seeking a care home place is under Legal Power of Attorney (LPA) or Court of Protection Deputyship (CPD) ?
If the person requiring a care home place does not have mental capacity then NOK (next of kin or significant other) will only be able to access funds to pay for care if they have these legal rights in place regarding property and affairs.
How do I find out if I have access to care home services funding?
To help with care home costs there are funding streams such as NHS continued healthcare (CHC) and NHS-funded nursing care (FNC).
NHS continued healthcare:
Consider whether there is funding available for your continued nursing care. Some people with long-term complex health needs qualify for free social care arranged and funded solely by the NHS. This is known as NHS continuing healthcare. In order to receive NHS continuing healthcare ‘CHC’ funding individuals have to be assessed by Clinical Commissioning Groups (CCGs) according to a legally prescribed decision making process to determine whether the individual has a ‘primary health need’.
Consider also, NHS-funded nursing care:
This is when the NHS pays for the nursing care component of nursing home fees. The NHS pays a flat rate directly to the care home towards the cost of this nursing care.
You may be eligible for NHS-funded nursing care if:
You’re not eligible for NHS continuing healthcare but have been assessed as needing care from a registered nurse or if you live in a nursing home. See: https://www.nhs.uk/conditions/social-care-and-support-guide/money-work-and-benefits/nhs-funded-nursing-care/
Note: This information is up to date as of March 2019.
Related Help and Guidance
Our guide helps you to understand the differences and choose the appropriate option for you or your loved one.
Important things to consider when choosing a care home