Long-term care cost planning

NHS and council funding

Understand the assessments and sources of help that may be relevant.

Key information to gather

In England, NHS Continuing Healthcare is based on assessed primary health need, not simply a diagnosis or wealth.

Some eligible care-home residents may receive a contribution towards registered nursing care.

A local authority may assess care needs and finances. Rules, thresholds and charging arrangements differ by UK nation.

Check whether Attendance Allowance, Pension Credit or carer-related support may be relevant, depending on circumstances.

Should we pay privately before asking?

Ask the relevant NHS service and local council about assessment routes promptly; do not assume eligibility either way.

UK differences: Funding and charging systems vary across the four nations. Check the latest information with your local authority and NHS body.

Browse the guides, write down your questions and use our shared contact page when you are ready.