Residential Nursing & Domiciliary Care Funding

Many people presume that receiving a bespoke care at home service is beyond their financial means; however, as more information about financing care becomes available in the public domain, care at home is becoming an increasingly popular option.

Funding for care can be a confusing subject area, however, by carrying out a little research and utilising resources available to you, your options become clearer and easier to understand.

Public Funding

You may be eligible to receive help with funding your care from the Government. You have the right to request a free care assessment from your local Social Services department; this can include a community care assessment and a means-tested financial assessment to see if you are eligible to receive support with the cost of your care.

Direct Payments

If you have been assessed as needing care services, you may be offered direct payments. As part of this arrangement, monetary payments will be made by your local council directly to you so that you are able to organise and pay for your care service. These payments are designed to support you to remain living at home, encouraging independence and social inclusion in areas such as employment, education and leisure activities.

The Government is looking to increase the number of people who receive direct payments, allowing more people access to the benefits that they bring. If you are considered eligible for support with funding, your local council are duty bound to consider direct payments as an option for you, instead of providing services to meet your needs.

Here are some frequently asked questions regarding direct payments:

What are the benefits of direct payments?

What are the benefits of direct payments?

The direct payment system allows you to:

  • Have a greater input into what care you need
  • Decide who you want to provide that care
  • Arrange services and staff at times more convenient to your lifestyle
  • Decide whether you want to employ an agency or your own staff

How do I know if I am eligible?

Your first point of contact should be your local social services, which will send a social worker to assess your care needs. Provided they find that you are eligible to receive help from social services, you are then entitled to ask to receive direct payments to purchase your own care rather than social services providing the care.

Eligible individuals include:

  • Older and disabled people aged 16 and over, assessed as needing care.
  • A person with parental responsibility for a child assessed as needing care.
  • Carers aged 16 and over.

What if I am unable to manage a direct payment on my own?

As well as giving you the option of receiving a direct payment, social services will usually offer their own support services, or be able to refer you to a local support group, to help you set your care up. They may even be able to provide care for you whilst you arrange your own care. The type of services provided can be from a list of local domiciliary care providers to advice on writing your own job advertisements and employing your own staff. You are also entitled to enlist the help of a responsible individual of your choosing, which may be a close friend or relative, to help you manage the direct payment scheme.

What if the care I require costs more than the value of my direct payment?

As you are effectively purchasing your own services, if you so wish, you can add your own funds to your direct payment to purchase services above the value of your direct payment. This allows you not only to buy your care from the person or organisation you prefer, but also to buy services in addition to those you care assessment states, should you wish to.

For further information on Direct Payments contact your local social services, or visit The DoH Easy Guide to Direct Payments

Independent Living Fund

Funded by Central Government, the Independent Living Fund supports people with disabilities to live independently in their own homes, rather than in residential care.

Payments are made to people with disabilities so they can afford the employment costs, or associated employment costs, of a personal assistant or care agency to provide the support they need to remain living at home.

There are many things which the fund cannot be used to pay for, to understand what cannot be paid for with the fund; you can read more on the Government website.

Private Funding

Should you not be eligible for public funding, or would simply prefer to fund your care privately, you will need to source your care independently. Faced with so many different options and conflicting information, this can become both a time-consuming and overwhelming task.

If you are looking for support with financial planning, we would recommend that you contact an impartial Financial Advisor specialising in Care Fees. They can discuss options such as:

  • Equity Release
  • Funding Care fees
  • Estate preservation
  • Wealth Preservation

For more information on funding please click here.

Supporting You in Your Home

Whether your care is paid for by private or public funds, we can deliver a high quality homecare service to you, tailored to your individual requirements.

If you would like to receive a quote for our care at home service, based on your individual care needs, please contact us on 0870 3702 424.


  • Personalisation Agenda
  • Putting People First
  • Department of Health
  • Personal Budgets

Putting People First (or the Personalisation Agenda) is the Government's response to transforming Adult Social Care in England over the next 10 years.

What is Personalisation?

Personalisation means thinking about care and support services in an entirely different way, building care provision around the person as an individual and putting them at the centre of the process of identifying their care needs.

The traditional service-led approach to care has often meant that people have not received the right help at the right time and have been unable to shape the kind of support they need. This change in reform requires a significant transformation of adult social care so that all systems, processes, staff and services are geared up to put people first.

Personalisation is about giving people much more choice and control over their lives in all social care settings and is far wider than simply giving personal budgets to people eligible for council funding. It includes advice and advocacy for service users to enable them to make good decisions about the support they need. It means ensuring that people have wider choice in how their needs are met and are able to access universal services such as transport, leisure, education, housing, health and opportunities for employment regardless of age or disability.

Our Services and Personalisation

We have always strived to place the service user at the centre of our services and consult with you every step of the way in the delivery of your care. Our care at home services, whether provided directly by the council or paid for privately or by personal budget holders, strives to focus on identifying and achieving outcomes.

The types of support that people who use our services say they need are not confined to personal care. Support can include a much wider range and it is likely that such services as domestic help, support with household management and correspondence, being taken out for the day or even support to enable a holiday to be taken, will be required.

As an organisation, we are as flexible as are our staff and workers, always seeking solutions rather than dwelling on what can sometimes be considered insurmountable problems.

We are always willing to meet and discuss those daily challenges you face and together identify a potential solution to ensure our services are delivered in accordance with the Personalisation Agenda.

If you would like to find out more about Putting People First, click on the pdf documents above or visit the TASC (Transforming Adult Social Care) website at