How to Fund Home Care in the UK: A Simple Guide
The idea of paying for care can feel daunting, especially if it’s your first time exploring options. But understanding how home care is funded makes the process much clearer.
Step One: Find Out If You Qualify for Local Authority Support
Every local council, including Devon County Council, offers assessments to determine whether you’re eligible for financial help. This usually involves a care needs assessment, followed by a means test to review income and savings. If your savings are below a certain threshold, you may receive partial or full funding.
Step Two: NHS Continuing Healthcare
If your loved one has complex health needs, you might qualify for NHS Continuing Healthcare, which covers the full cost of care, including support at home. Speak with your GP or local clinical commissioning group to learn more.
Step Three: Self-Funding and Private Options
Many families choose to self-fund care to have greater flexibility. Home Instead can tailor plans around your budget, whether you need a few hours of companionship each week or full live-in support. We also work in partnership with many solicitors and wealth management firms to help.
Step Four: Explore Benefits and Grants
Attendance Allowance, Carer’s Allowance, and Personal Independence Payment can help offset costs. Age UK and Citizens Advice offer free guidance on what’s available locally.
Step Five: Get Advice Early
Having an open conversation with your care provider early on avoids surprises later. Our team can help families in Exeter, Teignbridge and South Devon understand their options and even connect them with local financial advisors familiar with care planning.
Funding care shouldn’t feel overwhelming. With clear information and the right guidance, families can make confident, compassionate decisions.
For help understanding care costs in West Exeter, Teignbridge or South Devon, contact your local Home Instead office for a friendly chat.
Author: Marian Catana, Owner & Managing Director