Understanding how to pay for care is one of the biggest concerns families face when planning a move into a care home. Whether you’re exploring residential, nursing, or dementia care, knowing the financial options, eligibility, and support available can make the process feel far less overwhelming.
At RCH Care Homes, with locations across Cambridge, Bedford, Essex, Romford, Buckhurst Hill and Kent, we regularly help families navigate the financial side of care with clarity, compassion and transparency.
Here’s a simple guide to the most commonly asked questions about paying for care in the UK.
1. Who Pays for Care. You or the Local Authority?
This depends on your personal financial circumstances, which are assessed by your local authority through a means test.
- If your capital (savings and assets, including property) is above £23,250, you will likely need to self-fund your care.
- If your capital is below £23,250, you may qualify for local authority funding.
- If your assets fall below £14,250, the local authority pays most of your fees, and you may contribute from income like a pension.
Tip: Even if you’re self-funding, you can still ask your local authority for a needs assessment to identify the level of care you require.
2. What Is Included in Care Fees?
At RCH Care Homes, our fees typically cover:
- Accommodation
- Personal care and support
- Meals and snacks
- Activities and lifestyle programme
- Housekeeping and laundry
- Access to communal areas and gardens
Additional costs may apply for extras such as hairdressing, chiropody, or private therapies. We provide a full breakdown during your enquiry and before admission.
3. Are There Any Other Sources of Help?
Yes. Depending on your situation, you may be eligible for:
- Attendance Allowance: a non-means-tested benefit for people over 65 who need personal care
- NHS Continuing Healthcare (CHC): full funding for those with complex medical needs (assessed by the NHS)
- NHS-funded nursing care (FNC): a weekly payment towards nursing care in a registered care home
Our team will guide you through which options may apply and help you access advice from financial care specialists if needed.
4. Can a Family Member Top Up Fees?
Yes, if you are receiving local authority funding but would like to move into a home with higher fees than the council will cover, a top-up (also known as a third-party contribution) can be paid by a family member or friend.
We can explain this option clearly if it’s something you’re considering.
5. Do I Need to Sell My Home to Pay for Care?
Not always. This depends on whether:
- You are moving permanently into a care home
- A partner or dependent is still living in your home
In some cases, a Deferred Payment Agreement (DPA) can be arranged with your local council, allowing you to delay selling your home and pay the fees later.
Why RCH Care Homes Offers Financial Transparency
Whether you’re looking at Brentwood Care Centre, Romford Care Home, Manton Heights in Bedford, or Woodlands in Cambridge, our approach is consistent:
- No hidden fees
- Clear, honest breakdowns
- Friendly team support throughout the process
Talk to Us Today About Care Fees and Planning
We understand that funding care can feel confusing and emotionally challenging. That’s why every RCH Care Home has a team ready to answer your questions and provide guidance in plain language.
Contact your nearest RCH Care Home today to learn more about fees, funding options, and how we can support you to make informed, confident decisions.
