Funding private home care for the elderly

When a person or their family member first becomes aware that they need care support, they frequently have concerns about; how much the care will cost, who will have to pay for it, whether they are entitled to any financial support and if funding themselves how they can afford to pay for it.

Some care options can be perceived as expensive, but it doesn’t mean they all are. When it comes to planning the right care for you, it is worth considering the funding routes and benefits that may be available to help you if you need home help or personal care

For example, care may be funded in full or part by your local authority depending on individual circumstances. It is therefore important and worth exploring the funding options available before making a final decision. 

Local authority support for home care

If you need support with day-to-day tasks, your local authority might be able to help with the costs of care.

As a first step, it is a good idea to request a needs assessment before arranging care. This will help you decide on the level of care needed and if care at home is suitable for you. Find out more about the difference between home care and residential care.

If an assessment identifies that you need help, funding support available varies depending on which country you live in. In England, one of the options available to you is to receive direct payments for the cost of the funded element from the council and organise your care yourself. 

In Scotland, you are entitled to Self-Directed Support. Find out more about Scotland's Self Directed Support Scheme.  

Through any of the above options, you have the independence and control to choose your own care through a provider such as Home Instead.

You can of course decide to not involve the council, should you wish, and arrange care as you see fit.

Alternative home care financial support

You may also be entitled to other benefits such as:

  • Attendance allowance – if you are over 65 and need extra help to stay independent at home due to an illness or disability.
  • Personal Independence Payment – if you are aged 16-64 and need help with daily activities or getting around because of a long-term illness or disability.

Expert home care advice

For further advice, you can contact:

Or get in touch with us!