Funding is based on individual circumstances. In the first instance, you will need to establish whether you are entitled to any contribution towards care home costs from your local authority or the NHS.
A local authority is obliged to carry out a financial assessment where they are arranging or providing a place for you or a loved one in a care home. They will assess your personal finances to work out whether you should make a contribution towards the costs of your care and accommodation.
A local authority will contribute to the cost of care if an individual’s assets (their savings and the value of their home) are less than £23,250. There is a sliding scale of local authority contribution below this threshold.
The NHS will also contribute to the costs of nursing care if you are assessed as in need of it, regardless of status. This is called the “registered nursing care contribution” (RNCC) and is currently £110.89 per week. This funding will be paid directly to the care home. The costs for accommodation and personal care will still be met by either you or the local authority.
If you have complex nursing or medical needs, you may qualify to have your care fully funded by the NHS under their Continuing Care criteria. You should apply to your local Clinical Commissioning Group (CCG) for this assessment.