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Paying for a care home, explained properly

Long answers to the questions families ask us most. Written in plain English, with the figures for England and where every one came from.

£23,250£14,250
Start here · Paying for care

Who pays for care home fees, and when the council helps

The means test in plain English: the savings limits, what counts, what happens to your house, and what you keep each week.

8 minute read

Paying for care

Who pays, what the council and the NHS cover, and how the sums work.

  1. £23,250£14,250

    Who pays for care home fees, and when the council helps

    The means test in plain English: the savings limits, what counts, what happens to your house, and what you keep each week.

    8 minute read

  2. a week

    NHS funded nursing care: what it is and who gets it

    A flat weekly payment from the NHS towards the nursing part of a nursing home fee. Here is how it is decided, how much it is, and where the money goes.

    6 minute read

  3. the whole fee

    NHS Continuing Healthcare: when the NHS pays the whole fee

    For people whose needs are mainly about health rather than daily living, the NHS can pay for all of their care. The test is strict. This is how it works.

    7 minute read

Choosing a home

How to read a CQC report, what to ask on a visit, and what the fee buys.

  1. a weekextra

    What a care home fee includes, and what costs extra

    The weekly fee covers more than you might think and less than you might hope. A guide to the fee, the extras and the yearly rise.

    6 minute read

  2. Good

    CQC ratings explained: how to read an inspection report

    Outstanding, Good, Requires improvement, Inadequate. What the inspectors look at, what the rating does not tell you, and how to read the report behind it.

    6 minute read

  3. Choosing a care home: what to look for and ask on a visit

    You learn more in an hour on the premises than in a week online. Here is what to notice, who to talk to and the questions that get straight answers.

    7 minute read

Kinds of care

Residential, nursing, dementia and respite care, and the alternative of care at home.

  1. Care home or live-in care? The honest comparison

    Both cost about the same for one person. For a couple the gap is large. What each gives you, what each costs, and how to decide.

    7 minute read

  2. Residential, nursing, dementia or respite: the types of care home

    The names on the sign mean specific things to the regulator. Knowing the difference stops you paying for care you do not need, or moving twice.

    6 minute read