Care funding conversation pack

Compare possible care arrangements and prepare for assessments. This printable companion explains how to use the Family Money Matters workbook and gives you space to plan.

How to use this pack

Allow 30–45 minutes for a first pass. You do not need perfect numbers: label estimates clearly, note missing information and update as circumstances change. The Excel workbook provides editable calculations; this pack helps you interpret the results.

Four practical steps

1. Describe the care need first

Record practical daily support requirements and who currently provides help. Costs should follow an assessment of needs, not the other way around.

My next action

2. Compare full costs

List weekly care fees, possible extras, transport, home adaptations and other ongoing costs. Record the date of each quote and exactly what is included.

My next action

3. Understand assessment routes

Write down questions about local-authority needs and financial assessments, NHS Continuing Healthcare, and any benefits that may be relevant. Eligibility depends on individual circumstances.

My next action

4. Plan the next conversation

Keep a record of organisations contacted, dates, names, documents requested and next steps. Ask for written explanations of important decisions.

My next action

Questions worth answering

☐ What care needs have been formally assessed?

☐ Which quoted charges are excluded from the headline fee?

☐ Who has authority to make financial decisions?

☐ What funding decisions are still pending?

My 30-day action plan

Choose no more than three actions and assign a date and person responsible.

Trusted places to learn more

NHS: nhs.uk (NHS Continuing Healthcare)
GOV.UK: gov.uk (care and support)
Age UK: ageuk.org.uk

General UK financial education only. Not personalised financial, legal, tax, care or regulated product advice. Information and eligibility rules can change. Seek appropriate professional support for decisions affecting your circumstances.