Funding your home care
Can I get financial help to pay for home care?
Paying for home care is one of the biggest concerns for families across Lancaster, Morecambe, South Lakeland (Kendal, Windermere, Grange and Kirkby Lonsdale) and surrounding areas. The good news is that there are several ways to fund care, and you may be entitled to financial support depending on your circumstances.
Whether you're arranging care for yourself or a loved one, understanding the funding options available can make planning for care much less overwhelming.
Local Authority Funding
If you live in Lancaster & South Lakeland, you may be eligible for funding from the local authority adult social care department. Depending where you live, this would be Lancashire County Council or Westmorland Council. Anybody can request a Care Needs Assessment and if needs are identified, this would be followed by a separate Financial Assessment (also known as a means test).
If you qualify, the council may contribute towards the cost of your home care, helping you remain independent in the comfort of your own home. At the very least, they will be able to provide you with a wide range of advice and guidance on what community support is available.
Lancashire County Council - Paying for care and support
Attendance Allowance
Many older people are entitles to Attendance Allowance is a tax-free benefit available to people over State Pension age who need help because of an illness or disability. It isn't means-tested, so your income and savings won't affect your eligibility.
Many families use Attendance Allowance to help pay towards home care visits.
NHS Continuing Healthcare
If you have complex or ongoing healthcare needs, you may qualify for NHS Continuing Healthcare, where the NHS funds the full cost of your care.
Eligibility is based on your healthcare needs rather than your income or savings.
Self - Funding Your Home Care
Many families choose to pay privately for home care.
Private home care offers complete flexibility, allowing you to choose the level of support that best suits your needs. Care can often begin quickly and can be increased or reduced as circumstances change.
We're here to help
Understanding care funding can feel confusing, but you don't have to navigate it alone.
The team at Bluebird Care Lancaster & South Lakeland can explain the different funding options available, help you understand what financial support you may be entitled to guide you through the next steps.
Whether you're looking for care in Lancaster, Kendal and South Lakeland, Kirkby Lonsdale, Morecambe and surrounding areas, we're here to offer friendly advice with no obligation.