State Support for Home Care: Navigating Funding Options

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State Support for Home Care: Navigating Funding Options

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Accessing state support for care in one’s own home in the UK involves understanding two primary avenues: NHS Continuing Healthcare (NHS CHC) and local authority funding. For individuals with substantial assets, NHS CHC is a crucial consideration as it is not means-tested. To be eligible for NHS CHC, an adult must be assessed as having a “primary health need,” meaning their care is primarily health-related and their needs are complex, intense, or unpredictable. If eligible, the NHS covers all identified health and social care costs, regardless of income or savings.

For those whose needs are primarily social rather than health-related, local authorities can provide funding, but this is subject to a financial assessment, also known as a means test. In England, the financial assessment considers income, savings, and other assets, but notably, the value of the main home is not included when assessing eligibility for care at home. As of recent guidelines, if an individual’s capital is above £23,250, they are typically expected to self-fund their care. If capital falls between £14,250 and £23

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