Advice Centre
Understanding Care Funding
Navigating the funding landscape is one of the hardest parts of arranging care. These guides explain every option in plain English — from NHS-funded routes to self-funding strategies.
NHS Continuing Healthcare
If your care needs are primarily health-related, the NHS may fund your care in full. Learn what qualifies and how to apply.
Local Authority Assessments
Your council may contribute to care costs based on a needs and financial assessment. We explain the process clearly.
Financial Planning
Self-funding your care? Understand how to plan sustainably, what to expect over time, and what benefits you may still qualify for.
Care Home vs Home Care Costs
A clear cost comparison for Lancashire families weighing residential care against remaining at home with support.
Frequently asked questions about care funding
Who pays for home care in the UK?
Responsibility depends on your circumstances. The NHS funds care where needs are primarily health-related (see Continuing Healthcare below). Your council may contribute after a care needs assessment and means test if your savings are below £23,250 in England. If you do not qualify for either, you self-fund — though you may still be entitled to benefits such as Attendance Allowance that offset costs.
What is NHS Continuing Healthcare (CHC) and who qualifies?
NHS Continuing Healthcare is a package of ongoing care arranged and funded entirely by the NHS for adults with a primary health need. Eligibility is assessed using the NHS Decision Support Tool across domains such as behaviour, cognition, mobility, and clinical needs. There is no means test — if you qualify, the NHS pays in full regardless of your savings or income. A formal assessment can be requested through your GP or local Integrated Care Board.
How does local authority funding work for home care?
Your council performs a Care Act needs assessment to determine what support you require. If eligible, a financial assessment (means test) establishes what you can contribute. The upper capital limit is currently £23,250 in England — above this you fund your own care; below it the council contributes on a sliding scale. If funded, you can receive a managed service or a Direct Payment to arrange your own care provider.
What is Attendance Allowance and how does it help?
Attendance Allowance is a tax-free, non-means-tested benefit for people aged 65 or over who need help with personal care or supervision because of a physical or mental disability. The lower rate (£76.70 per week in 2026–27) applies if you need help by day or night; the higher rate (£114.60 per week) applies if you need help both day and night. Rates are uprated each April. Many families use it to offset the cost of home care without affecting other benefits.
Can I use Direct Payments to choose Horizons Homecare?
Yes. If your council funds your care, you can request Direct Payments — money paid directly to you so you can choose and manage your own care provider. This gives you flexibility to select Horizons Homecare and agree a care plan that suits your preferences. We work regularly with Direct Payment recipients and can help you understand how to set this up.
Not sure which route applies to you?
Our team speaks with families about funding every day. A short conversation can save months of uncertainty. Call us or book a free assessment and we'll help you understand what you may be entitled to.