Financing long-term care

Trying to figure out what type of care you or a loved one needs, and what financial help you're entitled to can seem very daunting. 

There are different funding options for care at home and care homes, and you may or may not be entitled to government benefits or funding from the NHS.

Generally, the value of your home will be taken into account when assessing your capital. This is because there is an assumption that the property you live in will be sold to finance care. 

There are some exceptions to this, including if your property is owned jointly with your partner and you are remaining in the property and your partner moves into a care home. 

Visit the Which? Later Life Care website for more information about your options for financing long-term care.


  • When your local authority decides how much funding they are going to provide, your assets and savings will be taken into account
  • If you have a 'primary health need', the NHS may fund your care through NHS continuing healthcare
  • If you choose a care home that costs more than your local authority will contribute, you will have to find additional funding.

Which? Later Life Care website

To help you navigate all the various options, Which? has created a free, independent website which provides practical advice about long term care. 

It is primarily aimed at caring for older people across the UK, but the information is also relevant for working age adults with a disability.

The Which? Later Life Care website provides information on care needs, financing care and housing options.

The site also provides information on what to do and who to talk to if you want to challenge a decision that is made about your, or a relative's, care.

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