In the UK, many older adults pay for their own care because their savings and assets place them above the funding thresholds. These individuals are classed as self-funders. While self-funders cover the majority of their care costs, certain non-means-tested benefits can provide valuable financial support.
Two of the most important benefits are Attendance Allowance and Personal Independence Payment (PIP). Both are designed to help with the additional costs of long-term health conditions or disabilities and can significantly ease the burden of paying for care.
Attendance Allowance for Self-Funders
Attendance Allowance is a tax-free benefit for people over State Pension age who have a disability or illness requiring additional care or supervision. It is not means-tested, which means your savings, income, and property are not considered when applying.
- Available in two rates (lower and higher).
- Designed to support individuals who need help with personal care, such as bathing, dressing, or mobility.
- Paid directly to the claimant and can be used flexibly to meet care needs.
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Personal Independence Payment (PIP) for Self-Funders
PIP is for individuals under State Pension age who have a long-term illness or disability. Like Attendance Allowance, it is also not means-tested, meaning self-funders can still claim it regardless of their financial situation.
- Divided into two components: Daily Living and Mobility.
- Each component has standard and enhanced rates.
- Assessed based on how a condition affects daily life, not the condition itself.
Comparing Attendance Allowance and PIP
The following table highlights the key differences:
| Benefit | Who Is Eligible? | Key Features |
|---|---|---|
| Attendance Allowance | People over State Pension age | Two payment rates; supports daily care needs; not means-tested |
| Personal Independence Payment (PIP) | People under State Pension age | Daily Living & Mobility components; two payment levels each; not means-tested |
Why These Benefits Matter for Self-Funders
Even if you pay for care entirely from your savings or income, Attendance Allowance and PIP can provide extra financial relief. The funds can be used to:
- Hire additional support at home.
- Contribute towards care costs in residential settings.
- Cover mobility aids, transport, or specialist equipment.
Since these benefits are not linked to financial thresholds, they are an essential resource for self-funders.
FAQ – Benefits for Self-Funders
Can self-funders claim Attendance Allowance?
Yes. Attendance Allowance is not means-tested, so savings and assets do not affect eligibility.
Is PIP available for people who pay for their own care?
Yes. PIP is also not means-tested, making it available to self-funders under State Pension age.
Can you receive both Attendance Allowance and PIP?
No. You cannot receive both. Which benefit applies depends on your age when you apply.
How are benefit payments used?
Payments are made directly to the individual and can be used flexibly to cover any care-related expenses.
Do these benefits reduce local authority funding later?
No. Since they are not means-tested, they do not reduce your entitlement to support if your financial situation changes.
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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