The cost of dementia care can be significant, particularly when a nursing home becomes necessary. In the UK, families often wonder whether the NHS can cover some or all of these fees. The answer depends on the person's medical needs, level of dependency, and financial situation. This article explains the key funding options available, how eligibility is assessed, and what to expect throughout the process.
Understanding Who Pays for Dementia Nursing Home Fees
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In the UK, there are two major funding systems to be aware of:
-
NHS Continuing Healthcare (CHC):
A fully-funded package of care for individuals whose primary need is a health need. -
Local Authority Means-Tested Support:
For individuals who require care but do not qualify for NHS CHC. Eligibility depends on your financial situation.
The degree to which dementia affects physical health, cognition, and daily functioning plays a central role in determining which type of funding applies.
Key Differences in Funding Options
| Funding Type | Who Provides It? | What It Covers? | Eligibility Criteria |
|---|---|---|---|
| NHS Continuing Healthcare (CHC) | NHS | Full care fees, including nursing home costs. | Primary need must be a health need assessed through a detailed checklist and full assessment. |
| NHS-Funded Nursing Care (FNC) | NHS | A contribution towards nursing care provided by registered nurses. | Resident must be in a nursing care setting but not qualify for CHC. |
| Local Authority Social Care Funding | Local Authority | Part or full cost of care, depending on assets and income. | Means-tested. Financial limits determine eligibility. |
NHS Continuing Healthcare: What to Expect
NHS Continuing Healthcare is not automatically offered. A professional assessment is required, based on the severity and complexity of the individual's health needs. If eligible, the NHS covers 100% of care costs, regardless of income or savings. This makes it one of the most important assessments for families to request.
If the applicant does not qualify, they may still receive NHS-Funded Nursing Care (FNC), which provides a weekly contribution toward nursing care provided in the nursing setting.
How Means-Testing Works
If the person does not qualify for full NHS funding, the local authority will assess their financial resources.
As of current UK thresholds:
- Individuals with assets above a certain upper threshold will typically pay full fees.
- Those with assets below the lower threshold may receive full or partial support.
This financial assessment includes:
- Savings
- Income
- Property (in some cases)
Families often seek professional guidance to understand how their specific situation fits within the system.
FAQ – Optimised for Search
Does the NHS fully pay for dementia nursing home care?
Yes, but only if the person qualifies for NHS Continuing Healthcare. This is based on assessed healthcare needs, not diagnosis alone.
What if the person does not qualify for NHS Continuing Healthcare?
They may still receive NHS-Funded Nursing Care, which provides a contribution specifically for nursing care within the home.
Does dementia automatically qualify someone for NHS Continuing Healthcare?
No. Eligibility depends on the nature, intensity, and complexity of their care needs, not the diagnosis itself.
What is the first step to apply for NHS Continuing Healthcare?
Request a CHC Checklist Assessment through a GP, hospital discharge team, or social care professional.
Can the value of the home affect funding?
Yes, in means-tested care. However, some exceptions apply, especially if a spouse or dependent still lives in the home.
Need help finding a care home?
Senior Home Plus offers free personalized guidance to help you find a care facility that suits your health needs, budget, and preferred location in the UK.
Call us at 0203 608 0055 to get expert assistance today.
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