What Are the Funding Options for Domiciliary Care in the UK?

When considering domiciliary care for yourself or a loved one, one of the first questions that often comes up is, “How do we pay for it?” Care costs can feel overwhelming at first, but there are a range of funding options available in the UK to help ease the burden. Let’s break it down. 

The cost of domiciliary care depends on the level of support required. Someone who needs occasional support will pay less than someone requiring daily personal care or specialised medical assistance. However, it’s important to know there’s financial help available, whether you’re funding care privately or looking for government support. 

Your first step should be a care needs assessment by your local council. This assessment determines whether your loved one qualifies for financial support. If eligible, the council may cover some or all of the care costs. Keep in mind that funding is means-tested, so your income and savings (or those of your loved one) will be taken into account. 

 

You can request an assessment through your local authority's website or by contacting them directly. 

 

If your loved one qualifies for funding, they might receive a personal budget. This allows them to choose how the money is spent, offering more flexibility to select a care provider that suits their needs. 

 

For individuals over 65 who require support due to illness or disability, Attendance Allowance is a non-means-tested benefit that can help cover the costs of care. It’s paid at two rates, depending on the level of support needed. 

 

Visit the GOV.UK website for information on eligibility and how to apply. 

 

If the person requiring care is under 65, they might qualify for Personal Independence Payment (PIP) or Disability Living Allowance (DLA). These benefits can help cover the costs of care and other related expenses. 

 

For those not eligible for financial assistance, private funding is an option. This might come from savings, pensions, or family contributions. Some people also consider equity release schemes, where money is borrowed against the value of their home. 

The funding process can feel a bit like a maze, but you don’t have to go through it alone. A good starting point is to speak to your local council or an organisation like Age UK, who can offer advice and guidance. 

 

At Academy Care, we’re also happy to help. We can guide you through the process of applying for funding, understanding your options, and creating a care plan that fits within your budget. 

Call 01924 925 244 today to discuss how we can help you navigate domiciliary care funding options. At Academy Care, we’re committed to providing affordable, compassionate care for families across West Yorkshire. Let’s find the right solution together.