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Arranging Adult care

Self-funding

"I need more information about funding my own care."

About self-funding

Do you want to continue to live at home?

We know it’s important to keep your independence and stay living in your own home for as long as possible.

We’ve put together some great advice, along with details of many services and support groups that can help you with this.

Learn how to get help and support to stay independent

You may need to pay for long-term care out of your own funds if you:

  • have had a needs assessment and you do not qualify for help from us to pay for your care
  • have chosen not to have a needs assessment to find out if you qualify for help
  • want to enhance your level of care at home or within a care home by paying a little more
  • must pay the full cost of your care but your money is tied up in property.

Help for self-funders

There are some things we can do to help you when you have to self-fund your care:

  • Ways to self-fund your long-term care

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    If you have savings and assets worth £23,250 or more, or a weekly income high enough to pay for your care home fees, you will not qualify for help with your care costs. You are known as a ‘self-funder’.

    As a self-funder you will need to pay for the full cost of your care. We have put together some information to help you find a way to do this.

    Find ways to fund your long-term care

  • How to defer your care costs as a property owner

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    If you have value in your home that means you must pay for your own residential care you could ask us for a deferred payment agreement. This allows you to delay paying us for your care until you die or your property is sold.

    Learn more about deferred payment agreements

  • Arrange your care as a self-funder

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    As you are self-funding your care, you have a choice about who arranges your care. You can still ask us to arrange your care for you.

    Find out about your options for arranging care

  • When a relative or friend is paying your extra care home costs

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    If you qualify for us to pay your care home fees, but you have chosen a care home that is above ‘usual cost’ - a relative or friend will need to make additional payments towards your care for you.

    Learn how to pay additional care home costs
Self-funding your long-term care