Funding your live-in care
Do you love the idea of live-in care but keep asking yourself the same question: How will I fund it? Arguably, this is the question we are asked the most, with many people feeling that funding is a minefield. On this page, we aim to answer many of your questions about how best to finance live-in care, but please do contact us if you have additional queries, or if you want to discuss any aspect of your care costs further.
What are the current rules governing care funding?
In Wales, the threshold is £24,000 for care at home or £50,000 for care in a care home. You can find out more information on this from Age Cymru. In Scotland, the threshold is £27,250 but the arrangements are somewhat different, as personal care and nursing care are free, though councils have the discretion to charge for other services. You can find out more information on this from Age Scotland.
Accessing public funding to pay for care
For an individual who has significant health needs, the other publicly-funded option is an assessment for NHS Continuing Healthcare (CHC). NHS Continuing Healthcare isn’t means-tested, but in order to be awarded CHC the person needing care would be required to go through an assessment of personal and medical needs which is scored using points.
Should you or your relative qualify for NHS Continuing Healthcare funding, the care needed will be funded entirely by the NHS, with regular reviews to check on CHC eligibility. Many ENA clients have been successfully awarded NHS Continuing Healthcare in the past and thus we would be happy to provide information to anyone that may help them in deciding whether an assessment of this kind is worth considering.
Funding live-in care privately
Broadly speaking, here are some ways in which live-in care can be privately funded:
From personal income or savings
From an annuity
From equity release
Claiming benefits to help with care costs
In addition, a person with a diagnosis of dementia may be able to reduce their council tax liability. More information on this is available from the Alzheimer’s Society.

Key points about funding live-in care with ENA Care Group
What is the best funding option for me/my family?
Additional legal considerations
Contact us to discuss funding live-in care
You can call us on 01707 333 700 or email