How is a care home paid for in England?
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In short: If your capital is above £23,250 you usually pay care home fees yourself. Below that, the local authority may contribute after a means test. NHS Continuing Healthcare funds care entirely when needs are primarily health-related — it is not means-tested.
Content updated:
The local authority assesses care needs and finances. Your home may count toward capital unless a spouse or certain relatives still live there. Deferred payment agreements can lend fees secured against the property.
Self-funders negotiate directly with homes. Third-party top-ups let relatives pay extra for a preferred home. You can only top up from your own money in limited cases, such as during the 12-week property disregard or under a deferred payment agreement.
See our care home funding guide and deprivation of assets explainer. Lasting Power of Attorney helps family manage payments if you lose capacity.
Primary source: www.nhs.uk/social-care-and-support/money-work-and-benefits/paying-for-your-own-care-self-funding
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