Most people want to stay in their own home for as long as possible. The good news is that the home itself isn't counted while you live in it. The challenge is paying for the care.
How it's means-tested
The same £23,250 and £14,250 limits apply, but the home is ignored. If the council helps, you're left with a "minimum income guarantee" for living costs, which is higher than the allowance in a care home.
What it costs
A few visits a day can soon add up to hundreds of pounds a week. Live-in care can cost as much as, or more than, a care home. For people who are "asset rich, cash poor", the question becomes how to pay for care while keeping the home.
Options families consider
There are several ways families fund care at home, from income and savings to using the value tied up in the home. Some involve financial products that need regulated advice. The right option depends on health, family and how long care may be needed.
Planning ahead
Lasting powers of attorney are especially important for care at home, so family members can manage bank accounts and pay carers if needed.
Want to stay at home? Talk to a specialist about the options.
Frequently asked questions
Is my house counted if I get care at home?
No. When you're receiving care in your own home, its value isn't counted in the means test.
How much does home care cost?
Typically £25 to £35 an hour, depending on the area and provider. Live-in care costs considerably more.
Can I get help paying for care at home?
If your savings are under £23,250 the council may help, subject to a means test of your income. Attendance Allowance isn't means-tested.
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.