Funding your Care

If you are funding your own care, you will usually be responsible for paying the cost of the care and support services you receive.

Whether you are expected to pay for all or part of your care will depend on your individual financial circumstances and the outcome of a financial assessment carried out by your Local Authority. The rules and financial thresholds can change, so we recommend obtaining up-to-date advice rather than relying solely on a particular savings figure.

Even when you are paying for your own care, there may be benefits, allowances or other forms of financial supportavailable to help with the cost. It can therefore be worthwhile exploring your options before making long-term decisions about your care arrangements.

Privately funding your care also gives you greater flexibility in choosing the provider, type of support and care arrangements that best suit your individual needs and preferences.

If you are unsure where to begin, speak to our team. We can provide general information about care funding and help direct you towards the appropriate organisations for independent financial or benefits advice.

Understanding your financial options can help you make informed decisions about your care.

At ExperCare, we accept Local Authority funding and Direct Payment arrangements, helping you access care and support in a way that meets your individual needs and preferences.

If you feel that you or a loved one requires additional support, the first step is usually to contact your Local Authority Adult Social Care team and request a care needs assessment.

During this assessment, your individual circumstances, care needs, daily routines and the outcomes that are important to you will be considered. Your Local Authority will then determine whether you have eligible care and support needs and discuss the options available to you.

Depending on your circumstances, this could include hourly home care, support within the community, residential care or other appropriate care arrangements.

If remaining in your own home is important to you, make this clear during your assessment. Your wishes, preferences and desired outcomes should form part of the conversation about how your assessed needs can best be met.

For people who require a significant level of ongoing support, Live-In Care may provide an alternative to residential care, allowing you to remain in familiar surroundings while receiving personalised support.

ExperCare's Live-In Care packages start from £1,100 per week. The amount your Local Authority may contribute will depend on your assessed eligible needs, financial circumstances and the funding arrangements available to you.

Where the cost of your preferred care arrangement is higher than the funding agreed by the Local Authority, an additional contribution may sometimes be required, depending on the circumstances and applicable funding rules.

If you are eligible for Local Authority support, you may be offered a Direct Payment.

Direct Payments can give you greater choice, flexibility and control over your care. Instead of the Local Authority arranging all of your care directly, an agreed payment is provided to you, or an appropriate person acting on your behalf, to arrange eligible care and support.

This may allow you to choose a care provider such as ExperCare and have greater involvement in deciding who provides your support, when your care is delivered and how your assessed needs are met.

Depending on your financial assessment, you may also be required to contribute towards the cost of your care.

We understand that arranging care and navigating funding options can sometimes feel complicated. If you are considering Local Authority funding, Direct Payments or Live-In Care, our friendly team can explain how ExperCare works with these arrangements and help you understand the next steps.

For decisions regarding your eligibility, care needs assessment or the amount of funding available to you, you should always seek confirmation directly from your Local Authority.

More choice. More control. Care centred around you.

ExperCare accepts NHS Continuing Healthcare (CHC) funding arrangements, enabling eligible individuals to receive care and support funded by the NHS.

NHS Continuing Healthcare is a package of ongoing care arranged and funded by the NHS for adults who have been assessed as having a primary health need. Eligibility is based on the nature, intensity, complexity and unpredictability of your care needs rather than simply having a particular diagnosis or medical condition.

If you are not currently receiving NHS Continuing Healthcare but believe you may be eligible, the first stage is usually an assessment of your needs. This may involve health and social care professionals and can begin while you are living at home, in hospital or receiving other care services.

Where appropriate, an initial CHC Checklist may be completed. If this indicates that a full assessment is required, your needs will be considered in greater detail using the NHS Continuing Healthcare assessment process. The relevant NHS body will ultimately determine whether you meet the eligibility criteria for CHC funding.

If you are assessed as eligible for NHS Continuing Healthcare, the NHS will fund the care required to meet your assessed health and associated care needs.

Depending on your individual circumstances and agreed care plan, this may include care provided within your own home.

At ExperCare, we understand how important it can be to remain in familiar surroundings. Where appropriate, we can work alongside you, your family and the professionals involved in your care to explore how your assessed needs can be supported at home.

If you already have an NHS Continuing Healthcare package in place and are looking for a care provider, please speak to our team.

We can discuss your care requirements and work with the professionals coordinating your funding to determine whether ExperCare can provide the support you need.

If you are unsure whether you may qualify for NHS Continuing Healthcare, you can speak with the health or social care professionals involved in your care for further guidance about requesting an assessment.

Professional care. Personalised support. Helping you remain at home.