Will the NHS pay for my care home?

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Determining how much you'll need to contribute towards your care home fees in the UK depends on various factors, including where you reside.

Understanding Care Home Funding Thresholds

Funding Thresholds in the UK:

  • England:

    • Self-Funding Threshold: Individuals in England with assets exceeding £23,250, including property, savings, and investments, are considered self-funders and are responsible for covering the full cost of their care.

  • Scotland:

    • Care Home Accommodation Threshold: In Scotland, the threshold for paying for care home accommodation is set at £32,750. If you are eligible for personal care, your local council will cover these costs.

  • Wales:

    • Care Home Fees Threshold: In Wales, individuals with assets exceeding £50,000 are expected to cover the full cost of their care home fees.

  • Northern Ireland:

    • Similar to England, the threshold for care and care home fees in Northern Ireland is set at £23,250. Individuals with assets exceeding this amount will need to self-fund their care.

Financial Support Eligibility:

  • England and Northern Ireland:

    • Maximum Support: Those with capital below £14,250 in England and Northern Ireland are eligible for maximum financial support.

  • Scotland:

    • Maximum Support: In Scotland, individuals with capital below £20,250 qualify for maximum financial support.

  • Wales:

    • Full Funding: In Wales, anyone with capital under £50,000 will receive fully funded care from the local authority.

    • If your savings or income fall below the threshold while you are in residential care, you can request a review from your local authority. They may assume responsibility for paying some or all of your care costs.


Understanding the financial thresholds and eligibility criteria for care home funding in the UK is essential when planning for long-term care. These thresholds vary by nation and consider factors such as assets and capital.

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