Choosing the right home care package is a deeply personal decision, but understanding how to pay for it shouldn’t add stress. At ABP Cares, we simplify the process, guiding you through funding options tailored to your needs. Whether you’re exploring self-funded care, council support, or a mix of both, this guide breaks down everything you need to know.
Understanding Your Options: Self-Funded vs. State-Funded Care
1. Self-Funded (Private) Care
If your savings exceed £23,250, you’ll likely pay for care privately. Self-funding offers flexibility, allowing you to design a care plan that aligns with your preferences and schedule. At ABP Cares, arranging private care is straightforward:
- Option 1: Request that your local council arranges care (where available) and bills you directly.
- Option 2: Work directly with ABP Cares to create and pay for your personalised plan.
2. State-Funded Care
If your savings are below £23,250, your local council may contribute to care costs. A financial assessment (means test) will evaluate your income and savings—not your property value, provided you opt for visiting or live-in care (not a care home). Key points:
- What’s Included in the Assessment: Pensions, most income streams, and savings.
- What’s Excluded: Disability benefits, certain capital types, and property value.
Additional Financial Support: Beyond Council Funding
Even if you self-fund, you may qualify for non-means-tested support:
- NHS Continuing Healthcare: Fully funded care for those with complex medical needs.
- Attendance Allowance: For over-65s requiring assistance with daily tasks.
- Personal Independence Payment (PIP): Replaces Disability Living Allowance for under-65s.
- Home Adaptations: Equipment or modifications under £1,000 (e.g., grab rails).
How Funding Works: Personal Budgets and ISFs
If eligible for state support, your council will allocate a personal budget. You can receive this in three ways:
- Council-Managed: Social services arrange and pay ABP Cares directly.
- Direct Payments: Funds go to your account; you pay ABP Cares and submit receipts.
- Individual Service Fund (ISF): ABP Cares manages your budget and coordinates care (available in select regions).
Why Choose an ISF?
- Retain control without administrative hassle.
- Seamless coordination of multi-provider care plans.
Deferred Payment Agreements and Equity Release
For homeowners concerned about liquidity:
- Deferred Payment Agreements (DPAs): While typically for care homes, some councils may offer schemes allowing you to defer home care costs against property value.
- Equity Release: An option for self-funders to access property wealth without selling.
Tips for Managing Care Costs
- Mix Funding Streams: Combine council support with private top-ups for enhanced care.
- Regular Reviews: Reassess needs and finances annually or after major life changes.
- Seek Advice: ABP Cares’ experts help navigate Care Act 2014 entitlements and local policies.
Why Choose ABP Cares?
We partner with you and your local council to ensure transparency at every step:
- Free, no-obligation care assessments.
- Guidance on financial assessments and eligibility.
- Support for direct payments, ISFs, or blended packages.
Take the Next Step
Paying for care doesn’t have to feel overwhelming. Let ABP Cares’ compassionate team clarify your options, streamline applications, and design a plan that prioritises your well-being.
📞 Contact us today for a personalised consultation or visit our website to request more information. Together, we’ll ensure you receive the care you deserve—without compromise.
ABP Cares: Your Trusted Partner in Home Care, Rooted in Compassion.