Paying for elderly care

Paying for elderly care

Who will pay for the care you need?

When funding your own care you need to know how to plan and manage funding. You also need to know what to expect in terms of fees. You may also be entitled to funding support for ongoing medical needs, so you need to know about those options too.

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Funding care

This section provides a clear overview of the financial management options available to self-funders.

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NHS funding

Even if you are responsible for funding your own care, there are instances where the NHS will contribute to the cost of ongoing medical care.

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Top-up fees

If you are not funding your own care, but reliant on the local authority to pay, a top-up payment from a third party can make a considerable difference in the care home options you receive. The top-up is usually paid by a family member and can bridge the gap between the fees charged by the care home, and the sum that the local authority is prepared to pay.

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Equity Release

If you – or a loved one – are finding everyday tasks difficult, equity release could help you pay for the support you need to stay in the home you love.  Equity release can be used to pay for home or domiciliary care, nursing care or live-in care. 

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