You (or a family member/close friend) may need care in later
life and planning what to do can often be very stressful. You will
be faced with several decisions and you may be unsure who to talk
to and where to start, particularly when it comes to sorting out
how to pay for care for as long as it's needed.
NHS Continuing Care
NHS Continuing Care relates to the treatment of complex and long
term medical conditions. If you need a lot of nursing support, NHS
Continuing Care can arrange and fully fund your care for you
outside of hospital. Most people with long-term-care needs don't
qualify for NHS Continuing Care. There's no clear-cut list of
health conditions or illnesses that qualify for funding and not
everyone with ongoing health needs will be eligible.
The assessment is quite strict, and being frail isn't enough. But
don't let that put you off. Free healthcare could be worth
thousands each year, so it's important to find out where you stand.
The only sure way to know if you're eligible for free NHS
Continuing Care is to ask your GP or social worker to arrange an
You will need social care in later life if you become frail and
elderly, vulnerable or have any special needs, to enable you to
live life as fully and independently as possible.
Your local authority (council) is responsible for providing Social
Care services for those who need social care and are eligible for
Applying for social care
You will need to complete a 'needs and financial assessment',
which your local authority will assess and decide if they will pay
for some or all of the care and support you need. Most people
have to fund all or part of their own social care (known as
'self-funders'). The cost of self-funding can be very high and vary
depending on where you live.
Cost of care
The average cost of home care is approximately £11,000 per year
for 2 hours care each day. A live-in carer who will look after you
24 hours a day will cost a lot more: approximately £30,000 per year
for a full-time carer during the day and up to £150,000 per year
for carers day and night.
If you need residential care the cost can vary greatly by location
and whether or not you require nursing or not. On average you can
expect to pay around £28,000 year for a residential care home,
rising to over £37,500 if nursing is required*.
You can get an idea of the cost of residential
care locally and whether or not you are likely to qualify for local
authority support here »
There are a lot of companies, charities and foundations who can
offer guidance for anyone detailing with their or the care of
another in later life. We have listed a few organisations below who
will be able to offer more information:
PayingForCare is a not-for-profit organisation designed
to help individuals make more informed decisions about the
arrangements and funding for their long-term care. The site is
equally useful for Powers of Attorney and family members and
The site endeavours to give balanced, up-to-date advice on the
complex subject of long-term care, specifically care payment,
through careful, continuous research and collaboration with care
fees experts and respected support organisations.
PayingForCare offers help, information and advice about long
term care and enables those that need regulated financial advice to
make contact with specialist care fees financial advisers.
SOLLA is a not-for-profit organisation, established to
meet the need of consumers, advisers and those who provide
financial products and services to the Later Life
Its aim is to ensure that consumers are better informed about
the financial issues of later life and can find an Independent
Financial Adviser who holds the Later Life Adviser
First Stop Advice is a comprehensive
one-stop advisory service for older people, their families and
carers covering housing, care, money and rights.
First Stop Advice brings together the skills
of some of the UK's most respected organisations working in
partnership for the benefit of older people.
Millions of people are caring for an elderly relative, a
sick friend or a disabled family member.
They do it unpaid and often without support. Carers UK is the
voice of carers. We improve their lives by providing information,
advice, support and by campaigning for change.
Key Care Solutions is the leading 'One Stop Care Shop',
providing up-to-date information and availability on all registered
care homes, adult day care centres and home care providers
throughout the UK.
Age UK is the country's largest charity dedicated to
helping everyone make the most out of later life.
Expert advice on how to get the care and support you