The cost of elderly care in the UK can be substantial, and understanding your funding options is essential especially for families in Nottingham. Whether you're considering residential care, nursing support, or at-home services, knowing what help is available and how to access it can ease both financial and emotional strain.
This guide explains the key financial support options for elderly care in Nottingham, how eligibility is determined, and what steps to take if you're applying for assistance.
Overview of Financial Support Options
Several types of financial assistance are available through Nottingham City Council, the NHS, and national benefits. Here's a breakdown of the most common:
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| Funding Type | Description | Eligibility |
|---|---|---|
| Local Authority Funding | Means-tested support from Nottingham City Council to help pay for care at home or in a care facility. | Available if assets (including property) are below £23,250. |
| NHS Continuing Healthcare | Full funding provided by the NHS for individuals with primarily health-based needs. | Subject to a detailed clinical assessment. Not means-tested. |
| Funded Nursing Care (FNC) | Contribution from the NHS to cover nursing costs in a care home with nursing provision. | Available if nursing care is required but full CHC is not granted. |
| Attendance Allowance | Non-means-tested benefit for people over State Pension age who need help with personal care. | Based on level of care required—not income or savings. |
| Deferred Payment Agreement (DPA) | Allows families to delay care home fees if the person owns a property, with costs paid later from the estate. | Must be approved by the local authority. |
Steps to Access Care Funding in Nottingham
1. Request a Care Needs Assessment
Contact Nottingham City Council to begin the assessment process. This determines the type and level of care required.
2. Undergo a Financial Assessment
If care is needed, the council will review income, savings, and property to determine how much you can contribute.
3. Explore NHS Funding Options
If medical needs are the primary concern, request an NHS Continuing Healthcare (CHC) assessment. If CHC is not approved, ask about Funded Nursing Care instead.
4. Apply for Benefits
Make sure you are receiving Attendance Allowance or Personal Independence Payment (PIP), depending on the individual’s age and condition.
5. Consider a Deferred Payment Agreement
If selling a home immediately isn’t possible, a Deferred Payment Agreement can provide time to arrange finances.
How Senior Home Plus Can Help
Senior Home Plus offers free guidance to families navigating elderly care in Nottingham. We:
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Help you understand available funding options
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Guide you through the care and financial assessment process
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Connect you with care homes that match your needs and budget
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Assist with questions about property, benefits, and long-term planning
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.
FAQ:
How do I know if my family member qualifies for local authority funding?
If their total assets (including savings and property) are below £23,250, they may be eligible. A financial assessment by Nottingham City Council will determine this.
What if my relative owns a home but doesn’t want to sell it?
A Deferred Payment Agreement can allow fees to be deferred and repaid later. The home will not need to be sold immediately.
Is NHS Continuing Healthcare hard to get?
It is strictly assessed and not guaranteed. The condition must be primarily medical rather than personal care-related.
Can I combine Attendance Allowance with local authority funding?
Yes. Attendance Allowance is not means-tested and can be claimed alongside council support.
Is your guidance service really free?
Yes. Senior Home Plus provides a no-cost service for families to help them understand and navigate care options and funding.
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