Live-In Hourly Care Costs

NHS Funding

While full NHS funding is primarily available for individuals with complex health needs, there are options to explore for hourly care:

Continuing Healthcare Assessment

Request this from your GP or social worker
Determines eligibility for NHS-funded care
If eligible, you may receive funding for health-related hourly care needs

Personal Health Budget (PHB)

Provides flexibility in how you receive healthcare and support
Can be used to fund hourly care services related to health needs
Discuss this option with your local Integrated Care Board (ICB)

Local Authority Funding

Local Authorities are required to assess care and support needs for all individuals:

Care Needs Assessment

Contact your local council’s adult social services department
They will evaluate your care requirements, including any need for hourly care

Financial Assessment

Determines your contribution towards care costs
If your assets don’t exceed £23,250, you may be eligible for financial support
The value of your home is not considered for hourly care provided at home

Direct Payments

If eligible for council support, you can request Direct Payments
Allows you to arrange and pay for your own hourly care services
Gives you control over when and how you receive care

We recommend consulting with a financial adviser who specialises in later life planning. As an affiliate member of the Society of Later Life Advisors (SOLLA), we can connect you with trusted, accredited advisers.

Benefits and Allowances

Several benefits can help fund hourly care:

Attendance Allowance

For those aged 66 or over needing help with personal care
Lower rate: £68.10 per week
Higher rate: £101.75 per week
Not means-tested and can be used flexibly

Personal Independence Payment (PIP)

For those under 66 with long-term health conditions or disabilities
Can help fund hourly care needs

Carer’s Allowance

For those providing at least 35 hours of care per week
Can be claimed by a family member providing regular hourly care

Private Funding

If you’re not eligible for NHS or Local Authority funding, or if you require additional hours of care, private funding options include:

Income and Savings

Using regular income or savings to pay for hourly care

Equity Release

Access the value in your home to fund care
Can provide a lump sum or regular payments

Care Fee Payment Plans

Insurance products designed to cover the cost of care

Combining Funding Sources

Many people find that a combination of funding sources works best for their hourly care needs. For example:

Using Direct Payments from the council for basic care needs

Topping up with private funds for additional hours or services

Utilising Attendance Allowance to cover extra support or respite care

Remember, funding situations can be complex, and every situation is unique. We recommend seeking professional financial advice to ensure you make the best decision for your individual circumstances.

To speak to our Care Consultants about which funding options are available, contact us today.

Find your Local Care Consultant

Hourly Care – Costs and Funding