Funding
A plain-English overview of the funding routes UK families use to pay for live-in care, with the official sources to confirm current figures.
Where the person needing care has capital above the local authority threshold (£23,250 in England in most cases), care is normally arranged and paid for privately. Live-in care is often comparable to a residential care home in cost — and significantly more cost-effective for couples.
Below the capital threshold, the local authority assesses needs and may contribute. Some councils fund live-in care directly; others provide a personal budget that families can put towards the cost. Start with a needs assessment from adult social care in the relevant local authority.
Where the primary need is a complex health need (rather than personal-care need), NHS CHC may fully fund care including live-in care at home. CHC is not means-tested but the assessment is rigorous. A district nurse or hospital discharge team can help start a Checklist.
If a person does not meet the full CHC threshold but has a nursing need, FNC provides a weekly contribution towards nursing-related costs.
A non-means-tested benefit for people over State Pension age who need help with personal care. Currently paid at a lower and higher rate. Not enough to fund live-in care on its own but a helpful contribution.
For working-age adults with long-term care or mobility needs. Applies up to State Pension age, after which Attendance Allowance is the equivalent.
Family carers may be eligible for Carer's Allowance and for respite support funded through the local authority — useful when planning regular breaks.
Some families fund care from property equity (equity release schemes, downsizing or local authority deferred payment agreements). Independent financial advice is essential before committing.
This page is a general guide, not regulated financial advice. Speak to an independent financial adviser specialising in later-life planning before making major financial decisions.
We will give you an honest indication of cost for your situation and signpost the right funding routes to explore.
