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At Pear Healthcare, we understand that funding live-in care can feel overwhelming. That’s why we’ve put together this guide to help you explore the different options available for covering the costs of care. Whether you’re looking into government support, personal savings, or alternative funding methods, we’re here to support you every step of the way.
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For individuals with significant healthcare needs, the NHS may provide funding for live-in care through the Continuing Healthcare (CHC) program. This funding covers care costs for those with a primary health need, assessed by your local Clinical Commissioning Group (CCG). If eligible, the funding can fully or partially cover the cost of live-in care. Eligibility: Requires a detailed assessment of your care needs by the NHS. Process: Contact your GP or social worker to initiate the assessment.
If you have limited savings and assets, your local council may assist with care costs. The process involves a means test to determine your eligibility. Means-Test Thresholds: - Individuals with assets below a certain level (e.g., £23,250 in England) may qualify for financial help. - The threshold and amount vary depending on your location within the UK. Direct Payments: Some councils offer direct payments, allowing you to arrange your care services independently. Contact your local authority’s adult social care department for more information.
For many, personal savings are the primary source of funding for care. Using your savings gives you complete control over the type of care you choose. Tips for Managing Costs: Plan your budget early to ensure you have enough to cover long-term care. Explore payment plans with care providers for more flexibility.
Equity release allows homeowners to unlock funds tied up in their property, providing a valuable resource for paying for live-in care. Options Available: Lifetime Mortgages: Borrow against your home’s value without selling it. Home Reversion Plans: Sell a portion of your property while retaining the right to live in it. Considerations: Consult a financial adviser to ensure equity release is suitable for your situation.
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For those over the age of 65 with care needs, the UK government offers the Attendance Allowance. This tax-free benefit helps with additional costs.
PHBs are designed for individuals with ongoing healthcare needs. Funded by the NHS, these budgets allow you to manage and pay for your care services independently.
For forward planners, long-term care insurance can be a lifeline. These policies are purchased in advance and cover care costs when needed.
Several charities and organizations provide grants or financial assistance for care, particularly for individuals with specific conditions or circumstances.
Paying for care can seem overwhelming, but there are numerous options to explore. At Pear Healthcare, we’re here to help you navigate this complex journey. Our team can guide you through funding options and connect you with the right resources to ensure your care is both high-quality and financially sustainable.
Need help or advice?
Contact us today, and let us support you in finding the best funding solution for live-in care.
We offer a range of services including personal care, companionship, wellness check-ins, 24/7 support, and specialized care for advanced needs. Each plan can be customized to meet individual client needs.
Yes, all our caregivers are certified, trained, and experienced in elder care. They undergo continuous training to provide the highest quality of care with compassion and expertise.
Our team will consult with you to assess your specific needs and recommend a care plan that best fits. We’re here to answer any questions and make adjustments as necessary.
Absolutely. We understand that needs can change over time. We work with families to make any necessary adjustments to ensure the highest level of comfort and support.
Yes, we offer 24/7 support for clients who require around-the-clock care and monitoring. Our caregivers are available at any time to provide assistance and ensure safety and comfort.
We follow strict protocols to protect client privacy and ensure safety at all times. Our caregivers are trained in confidentiality, and we use secure systems to manage client information.
Have questions or need assistance? Our dedicated team is here to help you every step of the way. Reach out today, and let’s start a conversation
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