When it comes to arranging care—whether it’s in-home, residential or live-in support—understanding the financial side can feel overwhelming. Fortunately, there are several funding routes available in the UK that may help ease the cost. Here’s an overview of what’s out there.

 

Local Authority Funding

Your local council may contribute towards the cost of care following a care needs assessment. If eligible, they’ll carry out a means test to determine how much they’ll pay and how much you’re expected to contribute. This support can apply to home care services, residential care and live-in care.

 

NHS Continuing Healthcare

This is a fully funded care package provided by the NHS for individuals with complex medical needs. If approved, the NHS covers the entire cost of care, whether at home or in a care home. It’s not means-tested, but the eligibility criteria are specific to healthcare needs rather than personal care needs.

 

Attendance Allowance

If you’re over State Pension age and need help with personal care due to illness or disability, you may be eligible for Attendance Allowance. This non-means-tested benefit can help with extra costs and is paid directly to the individual.

 

Personal Independence Payment (PIP)

For those under State Pension age, PIP is a non-means-tested benefit for people with long-term physical or mental health conditions who need help with daily living or mobility.

 

Carer’s Allowance

If someone spends at least 35 hours a week caring for another person who receives a disability benefit, they may be eligible for Carer’s Allowance. This can provide financial recognition and support for informal carers, including family members.

 

Direct Payments

Once care funding has been agreed by your local authority, Direct Payments allow you to take control of how your care is arranged—using the funds to choose your own care provider (such as We Care Together), rather than using council-arranged services.

 

Charitable Grants and Support

Some charities and not-for-profit organisations offer financial assistance or grants to help with care costs, particularly for those with specific conditions, such as dementia, cancer or Parkinson’s disease.

 

Here to Help

While understanding funding options can feel complex, you’re not alone. At We Care Together Southampton, we understand the full range of care funding options available and can help guide you through what might apply to your situation.

If you’d like advice or support in navigating the next steps, get in touch with our friendly team—we’re here to help.