NHS continuing healthcare (CHC) pays the full cost of care for people whose needs are mainly health needs. It isn't means-tested, but it is hard to get.
Who qualifies
CHC is for people with a "primary health need", meaning complex, intense or unpredictable health needs. It isn't about a particular diagnosis. Many people with significant needs, including advanced dementia, are assessed and don't qualify.
How it's assessed
There's usually an initial checklist, then a full assessment by a team looking at different areas of need. Families can and should take part, and it helps to keep records of care needs and incidents.
NHS-funded nursing care
If you don't qualify for CHC but live in a nursing home and need nursing care, the NHS pays a weekly contribution towards the nursing part of the fees.
If the answer is no
Decisions can be challenged, and needs change over time, so reassessment may be worth asking for. Even so, most families should plan on the basis that they'll be paying for care themselves.
Paying for care yourself? See what it could cost with the care fees calculator, or talk to a specialist.
Frequently asked questions
Is NHS continuing healthcare means-tested?
No. If you qualify, the NHS pays the full cost of care whatever your savings or home.
How do you qualify for NHS continuing healthcare?
You need to have a 'primary health need'. It's assessed using a checklist and then a full assessment. The bar is high and only a minority of those assessed qualify.
Can you appeal an NHS continuing healthcare decision?
Yes. Decisions can be reviewed and challenged, and in some cases past fees can be claimed back.
Talk to a specialist
Tell us a little about your situation and a specialist will call you back, usually within one working day. No obligation, and we know these conversations can be difficult.