How to Fund Care in the United Kingdom
Understand how care is funded in the UK. Learn about NHS Continuing Healthcare, local authority assessments, self-funding thresholds, and attendance allowance.
Key Funding Routes
NHS Continuing Healthcare
Fully NHS-funded for those with a primary health need. Free at point of use.
Local Authority Funding
Means-tested support via your council. Based on care needs assessment and financial assessment.
Attendance Allowance
£68–£102/week tax-free benefit for over-65s needing personal care. No means test.
Self-Funding
If your assets exceed £23,250 (England). Consider financial advice and deferred payment agreements.
Frequently Asked Questions
Who pays for care in the UK?
Care funding in the UK depends on your needs and financial situation. The NHS covers healthcare costs, but social care (help with daily activities) is means-tested by your local authority. If your assets exceed the upper capital limit (currently £23,250 in England), you may need to self-fund.
What is NHS Continuing Healthcare?
NHS Continuing Healthcare (CHC) is a package of care fully funded by the NHS for people with a primary health need. It covers care in any setting, including care homes and your own home. Eligibility is assessed using a Decision Support Tool that evaluates 12 care domains.
How do I get a care needs assessment?
Contact your local council's adult social services department. They are legally required to carry out a free needs assessment for anyone who appears to need care and support. The assessment determines what care you need and whether the council will help pay for it.
What is Attendance Allowance?
Attendance Allowance is a tax-free benefit for people aged 65+ who need help with personal care due to a physical or mental disability. It pays £68.10 or £101.75 per week (2024/25 rates) regardless of income or savings. It can be used towards care costs.
What happens if I cannot afford care home fees?
If your local authority assesses that you need residential care and your capital is below the lower threshold (£14,250 in England), the council will pay the full cost. Between £14,250 and £23,250, you contribute from your capital. The council can also arrange a deferred payment agreement secured against your property.