Financial Assistance for Care Home in Stoke‑on‑Trent

1. Local Authority (Council) Funding

Stoke‑on‑Trent City Council offers means-tested funding for residential and nursing care. If your assets (including property and savings) are below £23,250, you may receive partial or full support after a financial assessment.

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The assessment takes into account: All sources of income (pensions, benefits), savings and investments, property ownership (subject to deferred payment schemes), a weekly personal allowance, and tariff income is calculated from savings between £14,250 and £23,250.

Deferred payment agreements allow homeowners to delay paying care fees by using the value of their property, which is settled at a later stage.

2. NHS Continuing Healthcare (CHC) & Funded Nursing Care

If the primary need is medical rather than personal care, you may qualify for NHS Continuing Healthcare. This offers full NHS-funded care, regardless of income or assets.

If your loved one doesn’t meet the criteria for full NHS funding but still needs nursing services, they may be eligible for a weekly contribution from the NHS known as Funded Nursing Care.

3. Attendance Allowance & Benefits

People aged 65 and over who require personal care can apply for Attendance Allowance. This tax-free benefit is available at two rates depending on the level of need. It can help offset care costs and is often used to supplement other funding sources.

4. Self-Funding and Equity Release

If your savings or assets exceed the threshold, you may need to self-fund care. Options include using pensions, savings, or equity release from property. Some families also consider long-term care insurance. Seeking financial advice can help assess what is most suitable for your circumstances.

Applying for Support: Practical Steps

1. Request a care needs assessment from the council.

2. Complete a financial assessment to determine funding eligibility.

3. Explore NHS assessments for continuing healthcare.

4. Apply for Attendance Allowance or other relevant benefits.

5. Seek independent financial advice if necessary.

Need help navigating care funding in Stoke-on-Trent?

Senior Home Plus offers free, expert advice to help you understand your options, apply for support, and find care that matches your family’s needs and budget.

Frequently Asked Questions (FAQ)

1. What’s the asset threshold for council-funded care?
Up to £23,250 in assets and savings may make you eligible for financial assistance from the local authority.

2. Can I keep my home and still get funding?
Yes. Deferred payment schemes allow you to keep your property and pay later through its value.

3. How does NHS Continuing Healthcare work?
If your care needs are primarily health-related, you may be entitled to full care home costs covered by the NHS.

4. What is Funded Nursing Care (FNC)?
A fixed weekly contribution paid by the NHS to cover the nursing portion of care in approved settings.

5. What is Attendance Allowance?
A government benefit for over-65s needing help with personal care, paid regardless of income or savings.

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