Navigating care costs in the UK can feel overwhelming, especially when you're caring for a loved one or arranging care for yourself. This guide breaks down the key types of support available, so you can make confident decisions without getting lost in jargon.
What Is NHS-Funded Care?
Some people with complex or long-term health needs may be eligible for NHS Continuing Healthcare (CHC). This is free care paid for entirely by the NHS, whether it's in a care home, at home, or in another setting.
To qualify, a team of professionals will assess whether your primary need is for healthcare rather than social care. If you qualify, the NHS covers everything, from carers to nursing support.
There’s also NHS-funded nursing care for people in care homes who don’t qualify for full CHC, but still need help from a registered nurse. This is paid directly to the care home to offset costs.
Local Authority Support
Your local council can also help with care, but they’ll usually begin by doing two things:
A care needs assessment: To see what type of help is needed (e.g. personal care, equipment, meals).
A financial assessment (means test): To figure out how much, if anything, you’ll need to pay toward that care.
If your savings and assets are below £23,250 (in England), you may be eligible for council funding. If you're above that, you may have to pay for care yourself until your assets fall below the threshold. Even if you’re a self-funder, the council can still help with advice, care planning, or recommending approved providers.
What Is Means-Tested Care?
“Means-tested” just means that the help you get depends on your income and savings.
Here’s how it usually works (This is subject to change):
If you have less than £14,250, the council pays most or all of your care costs.
Between £14,250 and £23,250, you’ll be expected to contribute something.
Over £23,250, you usually pay full costs.
Your home may be included in the assessment if you're moving into residential care, but not if your partner still lives there. There are some cases where you can defer payments, meaning the council pays upfront and you repay later (often from the value of your home).
How to Get Started
Speak to your GP or local authority to request an assessment.
Ask for a financial assessment to explore any funding options.
Use resources like Pairly’s care estimator to get a sense of care costs in your area.
You don’t need to do this alone; support is available, and asking questions early can help you avoid unexpected costs later. Start with a needs assessment, check your financial position, and ask about both NHS and local council options. You might be surprised by what support you’re entitled to.