Paying for Your Home Care

Understanding how to pay for care can feel confusing, especially at a difficult time. At SESNHA Care, we aim to make the process clear and straightforward so you can focus on what matters most — receiving the right support.

There are several ways home care can be funded, depending on your personal circumstances.

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1. Local Authority Funding

If you have care needs, your local council may contribute towards the cost of your care.

To access this support, you will need to:

1. Request a Care Needs Assessment from your local authority.

2. Complete a Financial Assessment (means test).

The council will assess:

• Your savings

• Your income

• Your assets

Based on this assessment, they will determine:

• Whether you qualify for funding

• How much you will need to contribute

Even if you qualify for funding, you may still need to pay part of the cost yourself.

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2. Self-Funding (Private Care)

Many people choose to pay for care privately. This is known as self-funding.

You may be a self-funder if:

• Your savings exceed the local authority threshold

• You prefer to arrange care independently

• You want greater flexibility and choice

Self-funding allows you to:

• Start care quickly without waiting for council approval

• Choose the level of support you need

• Adjust your care package whenever required

Our team can help you understand costs clearly before you make any decisions.

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3. Direct Payments

If your local authority approves funding, you may be offered Direct Payments.

This means:

• The council gives you funds directly

• You choose your own care provider

• You have full control over how your care is arranged

Many clients prefer this option because it provides greater flexibility and independence.

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4. NHS Continuing Healthcare (CHC)

Some individuals with complex medical needs may qualify for NHS Continuing Healthcare funding.

This is:

• Fully funded by the NHS

• Not means-tested

• Based on medical needs rather than finances

Eligibility is determined through a detailed assessment by healthcare professionals.

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5. Attendance Allowance & Other Benefits

You may also be entitled to financial support through benefits such as:

• Attendance Allowance

• Personal Independence Payment (PIP)

• Carer’s Allowance (for family carers)

These benefits can help contribute towards the cost of care.

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Our Commitment to Transparency

We understand that discussing care costs can feel overwhelming. Our team is here to guide you through the process.

We will:

• Clearly explain our fees

• Provide honest advice about funding options

• Help you understand assessments and paperwork

• Support you in making informed decisions

There are no hidden charges, and we will always discuss costs with you before care begins.

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Need Advice About Paying for Care?

If you would like to discuss funding options or understand your likely care costs, please contact our friendly team.

We are happy to provide guidance with no obligation.