Choosing live-in care can provide your loved one with the comfort of staying at home while receiving essential support, but understandably funding this service can be a concern.
If you’re wondering whether Adult Social Care in the UK can help pay for live-in care, you’re not alone and we’re here to answer your questions.
This article breaks down what live-in care is, how Adult Social Care can provide financial support, and the key steps to determine eligibility.
What is Live-In Care?
Live-in care involves a trained carer residing in your loved one’s home, providing continuous assistance with personal care, medication, household chores, and emotional support. It’s often a preferred option for individuals needing consistent help who wish to remain in their own homes, offering the benefits of personalised care and familiarity that residential care homes cannot always provide.
Can Adult Social Care Fund Live-In Care?
Adult Social Services in the UK offer funding for care based on eligibility and financial means, but covering live-in care specifically can depend on several factors:
- Needs Assessment
A needs assessment is the first step. This assessment, conducted by your local council, evaluates the level of support needed by the individual. If live-in care is deemed necessary to meet specific health, mobility, or safety needs, then it may qualify for funding. - Financial Means Test
Following the needs assessment, a means test will determine eligibility for financial assistance based on income, savings, and other assets. Currently, in the UK:
- If your loved one has over £23,250 in savings, they may need to fund their care themselves.
- Individuals with savings between £14,250 and £23,250 may be eligible for partial funding.
- Those with less than £14,250 may qualify for more comprehensive financial support from social services.
- Types of Funding for Live-In Care
The exact amount and type of support can vary:
- Direct Payments: Local councils may offer direct payments, which provide funds directly to the individual, allowing them to arrange and pay for their live-in care.
- Attendance Allowance and Personal Independence Payment (PIP): For individuals over 65, the Attendance Allowance can help with care costs if they need frequent help. Those under 65 may qualify for PIP, which provides similar support based on the level of care required.
- NHS Continuing Healthcare (CHC): For those with more complex, long-term health needs, the NHS can fully fund live-in care through CHC, though this is subject to stringent eligibility criteria.
Steps to Access Funding for Live-In Care
- Contact Your Local Council
Begin by contacting your local council’s adult social care team to arrange a needs assessment. You can usually request this via the council’s website or phone line. They will assess the level of care required and determine if live-in care is appropriate. - Prepare for the Financial Assessment
After the needs assessment, you will undergo a financial means test. Have documents such as bank statements, details of savings, and proof of income ready to help expedite the process. - Explore Additional Benefits
Even if the means test results in partial funding, benefits like Attendance Allowance or PIP can help cover the remaining costs of live-in care. Apply for these through the government’s website or ask your council’s social care team for guidance.
Funding live-in care through Adult Social Care in the UK is an option – eligibility will depend on individual needs and financial circumstances. By starting with a needs assessment and exploring available benefits, you can navigate the process more smoothly and determine the best course for your loved one’s care. It’s essential to advocate for the level of care that truly meets their needs, and with the right steps, Adult Social Care can be a valuable resource in making live-in care a viable and affordable option.
Whether you’re seeking full or partial funding, remember that support is available, and every little bit helps in maintaining quality care and peace of mind at home. For more information and to arrange live-in care, contact us today.