Will my loved one have to pay if they go into care?

Moving your loved one into a care home is a significant decision, and understanding the associated costs is a big part of the process. There are options available for financial support through means testing, local authority funding, and NHS support. With proper planning and advice, you can navigate these costs and help make the best decision for your loved one’s care.

What does care cost?

The cost of care homes can vary based on several factors, like where you live, the level of care your loved one needs, and the facilities offered by the home. Here’s a breakdown of some typical expenses you might face:

• Residential care: this covers basic needs such as accommodation, meals, and help with daily tasks like bathing, dressing, and eating.

• Nursing care: If your loved one requires medical attention or specialised care, nursing care might be necessary. This includes services such as managing medications or addressing more complex health issues.

How much will you need to pay?

The amount you’ll have to pay for my loved one’s care will depend on their financial situation. Here’s how it’s usually assessed:

• Means testing: the local council will perform a means test, assessing my loved one’s income, savings, and assets to determine how much they'll need to contribute.

• Local authority funding: if their savings and income are below a certain threshold, the local authority may help cover some or all of the care costs.

• Self-funding: if their savings or assets exceed the threshold, they may have to pay for the care.

Is there any NHS support available?

In some situations, the NHS may help cover the costs, particularly if my loved one has complex health needs:

• NHS Continuing Healthcare: this is a fully funded care package provided by the NHS for individuals with significant healthcare needs. If my loved one qualifies, the NHS will cover the full cost of their care.

Planning ahead

Thinking about the cost of care can feel overwhelming, but planning ahead is essential:

• Financial planning: you may wish to speak with a financial advisor to understand your options for covering the cost of care and how to protect your loved one’s assets.

• Legal planning: arranging legal documents, such as lasting power of attorney, will ensure that decisions can be made on behalf of your loved one if they’re unable to.

Source: NHS