Paying for Care

When paying for your care, a few options are available. At Village Care Ltd, we offer several ways of paying for care and work closely with service users to find options that suit you best. Many individuals fear that they cannot afford care in the home, and whilst funding sources for such packages can be confusing, Village Care Ltd can be a cost-effective alternative to nursing or residential home admission, and our work is backed by Our Service Charter.
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Ways to Pay for Care

There are two main ways to pay for care – privately and with support from the government. How you pay depends on your circumstances, with thresholds set by local councils depending on your savings. Usually, a needs assessment is carried out to see what care you require, followed by a means test to see how much the council can help. As you are not going into a care or nursing home, the means test also won’t consider the value of your property.

If the means assessment determines that you’ll be required to cover the cost of care yourself, the council must provide information on how to get help in your area. If you paid your home care fees yourself to start with but you realise you are running out of money, the council might help with funding. 

If you would like to discuss your individual situation, please reach out to us today. We are always happy to explain the process to you or your family members. 

Care Charter

Who Qualifies for Government Funding?

Eligibility for government funding for care in the UK largely depends on an individual’s needs and financial circumstances. To qualify, one must undergo a care needs assessment conducted by the local council, which determines the level of support required.

Financial assessment, or means testing, follows, where the individual’s income and savings are evaluated to decide the amount of funding they receive.

Generally, support is available for those with substantial and critical care needs who cannot afford to pay for their care independently. This system ensures that care funding is allocated based on both need and financial necessity, aiming to support the most vulnerable in society. 

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Types of Funding

Privately Funded Care

This is where you pay for your care in full.

Government-Funded Care

This is when the government takes care of your care in full or part.

Local Care

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Private Funding

This form of funding is typically chosen when the individual’s income and assets exceed the government-support threshold or prefers the flexibility and choice that private funding offers. Privately funded care allows individuals to select their preferred care providers, the type of care services they receive, and the frequency and duration of those services.

The cost of privately funded care can vary widely depending on the type and amount of care needed, the provider chosen, and the region of the UK. Factors such as specialised care for conditions like dementia, live-in care, or services at unsociable hours can significantly affect the cost.

Individuals opting for privately funded care must carefully plan and manage their finances, as the expenses can be substantial over time. Some may use personal savings, pensions, or assets such as property to fund their care. Some private health insurance policies may cover certain aspects of domiciliary care, providing some financial relief.

Arranging & Paying For Care

Government Funding

Government-supported care in the UK is provided through the National Health Service (NHS) and local authorities for individuals who meet specific eligibility criteria based on needs assessment and financial assessment. This type of care ensures that those with limited resources or substantial care needs can receive support.

The process begins with a care needs assessment conducted by the local council to determine the required level and type of care. If the individual is found to need care, a financial assessment follows to decide the extent of government support they’re eligible for. This assessment takes into account income, savings, and assets. If an individual’s financial resources fall below a certain threshold, they may be eligible for fully or partially funded care. The threshold and the amount of support provided can vary by region within the UK.

Government-supported care is designed to be needs-based and aims to provide essential support to those who need it most. However, it may offer less flexibility in choosing care providers and services than privately-funded care. In some cases, individuals might opt for a “top-up” arrangement where they or their families pay extra for additional or preferred services not covered by government funding.

Further Information

​​It’s important to remember that all charges are based upon the specific individual care requirements, so the earlier you contact us to assess those needs, the faster we can provide you with a clear indication of the costs of the care package. Whether your care package is government-funded, privately funded, or a combination of the two, Village Care Ltd aims to provide the very best in professional care and deliver it with understanding and sensitivity. A service user qualifies for full or part-funding of care through their local authority, NHS Trust, or other bodies. Service users who qualify for funding can control the funding by receiving ‘direct payments’. These payments are designed to support you in remaining at home, encouraging independence and social inclusion. Direct payments are ‘means tested’ cash payments made to individuals assessed as needing support in place of social services provision. Local Authorities must make direct payments to people who consent to use them. Direct payment is usually considered the first option for everyone at each assessment and review. Further information on such funding from the NHS can be found here once your care is arranged.