Paying for Care

There are different funding options available that can help to ease the financial strain of paying for care. This guide hopes to answer some of the more frequently asked questions, however, it is advised that as every person is different, you should seek independent financial and legal advice to ensure you have all the necessary information and guidance.

Encore care homes are private and therefore require self-funding. However, if a resident has an identified nursing need that has been determined by a full healthcare assessment by our care home, there might be government-funding options available.

Paying for long-term care

Private care homes require self-funding. There are a number of ways to do this:

Downsizing

Selling your property and purchasing a cheaper one could free up funds to pay for your care.

Deferred payment

If most of your money is tied up in your home, your local authority might be able to offer you a deferred payment agreement.  This means that the local authority would pay for your care and reclaim what you owe at a later stage once the house is sold.

Equity release

This releases some money that is tied up in your house whilst you continue to live there or own it.  The equity released provides you with a lump sum or steady income that allows you to pay for your care.  The money must be repaid at a later stage when the house is sold.

Care annuities

A type of insurance policy that provides guaranteed income for life to pay care costs in exchange for an upfront lump sum investment.

Other options

You could fund your long-term care by cashing in savings and shares, renting out your home, or decluttering to sell things you own, such as art, collectables or antiques.

Local Authority funding for long-term care 

Your local council might be able to help you with the costs of residential care.  Exactly how much funding you receive will depend on:

  • Your individual care needs
  • How much you can afford to pay towards the costs of your care

Funding eligibility for nursing care needs

If your healthcare assessment confirms that you require nursing care, you are eligible for help with funding from the NHS for the nursing aspect of your care in a home, without a means test.

A registered nurse at the care home will conduct a full healthcare assessment to ascertain your nursing care needs.  This assessment should be carried out before you move into the care home. Nursing care needs can change over time, therefore, these will be regularly assessed once you reside at a care home.

If you have a complex medical problem, you might qualify for free NHS continuing healthcare (CHC) and therefore it is important to find out if you are eligible by having an assessment. You might be entitled to full NHS funding for your care home fees if you have nursing requirements that necessitate 24-hour continuous nursing care.

Encore homes

For more information on the care we provide and the financial choices available, please contact one of our homes:

Hamble Heights, Fareham

Fairmile Grange, Christchurch

You might be entitled to full NHS funding for your care home fees if you have nursing requirements that necessitate 24-hour continuous nursing care.

All Encore care homes are private.  However, if a resident has an identified nursing need that has been determined by a full healthcare assessment by our care home, there might be government-funding options available.

For more information on the care we provide and the financial choices, please contact one of our homes:

Hamble Heights, Fareham

Fairmile Grange, Christchurch

Useful Contacts

Bournemouth Care Direct

Tel: 01202 454979

www.bournemouth.gov

Borough of Poole Adult Social Care Help Desk

Tel: 01202 633902 

www.poole.gov.uk

Dorset County Council Adult Access Team

Tel: 01305 221016

Hampshire Adult Services

Tel: 0300 555 1386

Age UK

www.ageuk.org.uk

Citizens Advice Bureau

www.citizensadvice.org.uk

Alzheimer’s Society

www.alzheimers.org.uk

Dorset CCG (Clinical Commissioning Group)

www.dorsetccg.nhs.uk

Fareham and Gosport CCG (Clinical Commissioning Group)

www.farehamandgosportccg.nhs.uk/

The Money Advice Service

www.moneyadviceservice.org.uk/en