FEES AND FUNDING
Money is the worry no one says out loud.
So we have set it out plainly. Everything is on this one page: what fees cover, how funding works for each type of care, and what happens if circumstances change. Nothing is hidden.
THE BASICS: THIS APPLIES TO EVERYONE
What fees cover, and how we talk about money.
Whatever type of care someone needs, a weekly fee covers their accommodation, meals, day to day care, and the running of the home. We agree it in writing before anyone moves in, and we explain clearly what is and is not included.
We will never surprise you. If fees change, you will hear about it early and in plain language. And if your situation changes, we will sit down and work through the options with you.
↓ Funding works differently for residential and nursing care. Both are explained below. Everything stays on this page so you can read all of it, whichever situation applies to you.
RESIDENTIAL CARE: HOW FUNDING WORKS
Paying for residential care.
Residential care is for people who need help with daily living rather than ongoing nursing care. There are two main ways it is paid for.
Self-funding
If a person's capital and savings are above the threshold set by their local authority, they usually pay their own fees. We are always open about what those fees are and what they include.
Local authority support
If savings are below the threshold, the local authority may contribute after a financial assessment, often called a means test. The amount depends on income and capital.
! NHS funding does not apply to residential care. NHS-funded options, Funded Nursing Care and NHS Continuing Healthcare, relate to nursing care only. See the next section.
NURSING CARE: HOW FUNDING WORKS
Paying for nursing care.
Nursing care includes everything residential care does, plus twenty-four hour support from registered nurses. Because of that clinical element, some NHS funding may apply.
Funded Nursing Care (FNC)
If someone is assessed as needing care from a registered nurse, the NHS pays a fixed weekly contribution toward that nursing element, paid directly to the home. Most people in nursing care qualify.
NHS Continuing Healthcare (CHC)
Where someone has a complex, intense or unpredictable health need, the NHS may fund the full cost of their care through CHC. Eligibility is decided by an NHS assessment, not by the home.
- FNC: a contribution toward nursing, for most people in nursing care.
- CHC: full funding, for higher and more complex health needs.
i Eligibility is explained here at a high level only. We will help you understand which assessments apply to your relative and what to expect from them.
WHEN CIRCUMSTANCES CHANGE
If needs change, funding can change too. We will guide you through it.
Needs rarely stay still. Someone who moves in for residential care may later need nursing care. When that happens, the way care is funded can change as well.
- Moving from residential to nursing: often possible within the same home, so a familiar place and familiar faces stay the same.
- A new funding picture: a move into nursing care may mean FNC, or an assessment for CHC, becomes relevant.
- Continuity first: we handle the paperwork and reassessments with you, so the focus stays on the person, not the process.
♡ Our aim is that a change in needs never means starting over. Wherever we can, care continues in the same home.
None of this has to be worked out alone.
The team at each home talks families through fees and funding every week. Tell us about your situation and we will explain what it means for you, calmly and without obligation.
Whenever you are ready, we are here.
No pressure, no obligation. Speak to the team at one of our homes and we will help you take the next small step.