It is important to note that packing up and going to a nursing home is not always the only option. Dependng on your circumstances assistance with care fees and other forms of support may be available from both the NHS and local councils to most elderly, sick and disabled people who need help with personal care or nursing and some of these are not means tested. Additionally you may purchase insurances that can pay for long-term care: there are policies that can be taken out years before or at the time care is needed. The following is a summary of the main forms of support as we understand them. It’s important to explore all the options and by appointing an Expert financial planner who can help you both navigate the system and your finances might be a good idea. Just make sure they’re regulated by the Financial Services Authority and Disclosure and Barring Service (DBS) checked
Attendance Allowance is a tax free benefit for people over 65 who need help with personal care such as getting in and out of bed, washing, eating, taking medication or mobility, or because they can become confused and need to be watched. Attendance Allowance is not affected by savings and is usually unaffected by any other income you may have.
Phone your local Benefits Office on
Telephone: 0345 605 6055
Textphone: 0345 604 5312
Information available from Jobcentres, Pension Centres and Social Services Offices
A taxable benefit for people such as friends and family members who look after someone who gets Attendance Allowance or Disability Living Allowance. Extra expenses can be claimed for paying a third party to provide care while you are out.
Phone your local Benefits Office or 0800 882200
See leaflets DS700 available from Jobcentres, Pension Centres and Social Security Offices
NHS continuing HEALTH Care
Your every nursing and care need is entitled to be paid for ‘ in any setting’ – including in your own home – if, following a short clinical assessment, your local NHS Primary Care Trust agrees your need is great enough. This may amount to more than £1,000 per week in aid which can be spent, for example, on 24 – hour live-in care, night nurses or daily respite.
Phone NHS Direct on 0845 46 47
Community Care Direct Payments
Instead of giving you social care services, councils can give you direct payments (if you meet certain conditions) to pay for your own care and related activities such as doing your shopping. If you provide care for someone, you may also be able to get direct payment. You cannot use direct payment to pay for permanent places in residential or nursing homes or to buy care form the council but you can us it to pay for professional homecare. Social services can also suggest special equipment to make life easier for you, e.g., grab rails and bathroom aids.
Phone your local Social Services care managers for information.
AGE UK Advice Line
A welfare advice line run by Age UK for older people and their carers. Free, confidential and impartial advice about benefits and community care. 0800 055 6112
Long Term Care Insurance ANNUITIES (or ‘ Care Fee Payment Plans’). This type of insurance pays out a tax-free income if you become unable to cope on your own. The income can be used to provide private help in your own home.
You should also check if any existing health insurance would pay the cost of your nursing fees.
See phone book for insurance providers
Personal Independence Payments (PIP) (formerly known as Disability Living Allowance) which is awarded to those under 65.
Benefit Enquiry Line
A confidential telephone service for people with disabilities, their representatives and carers.
It is possible to remain in the comfort of your own home with 1-2-1 person centred care
Contact our Live In Care Team
" Linda, my mum's main live in carer gets along with her, she is very patient, kind and keeps mum active. Mum's quality of life has improved so much. She is doing activities she had stopped doing, she is baking again!"
- JC (Rochford)