What happens if you can’t afford a care home?

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The prospect of moving into a care home in the United Kingdom can be a daunting one, especially when concerns about affordability come into play.

Understanding the Cost of Care Homes

What If You Can't Afford a Care Home?

  • Local Authority Financial Support: Local authorities offer financial support to individuals who meet certain criteria. If you cannot afford a care home, your first step should be to contact your local authority for a care needs assessment.

  • Financial assessment: is a crucial step in determining your eligibility for financial support. Your income, savings, investments, and property value will be considered during this assessment. 

  • Asset Thresholds: If your assets exceed this amount, you may be required to self-fund your care home placement. 

  • Mixed Funding: In some cases, individuals may opt for mixed funding, where they contribute a portion of the care fees themselves, while the local authority covers the remaining costs.

While the cost of care homes in the UK can be substantial, it's important to remember that there are avenues for financial support and assistance available.

Conducting a thorough assessment of your financial situation and seeking guidance from local authorities and professionals can help ensure that you or your loved one receives the necessary care while managing the associated costs.

It's crucial to explore these options early on to make informed choices about care home placement.

Seniors Home Plus can assist you in the process. 

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