Home / Care Costs

Care Costs

We understand that the cost of care is often an unexpected expense. We can advise you on how to fund your care and work with every service user to offer the most cost-effective solutions whilst ensuring that your care needs are fully met.

Care costs

Care costs can be confusing, and we understand that financing your care requires some forethought and discussion. We are experts in the options available to fund your care in your own home. Together with you, we create simple cost plans that take into account your financial situation and will talk you through any funding options that may be available to you.
Whether you need long or short term help, are considering live-in care, care on an hourly basis in the day or at night, we can help.

Our fees are fully inclusive, with no hidden charges, and include care provision 365 days a year. Plus, our on-call care managers are available 7 days a week from 8am to 9pm.

How is home care funded?

Home care is paid for in the following three ways in the UK:

  • local authority funded care.
  • Self-funding: the person requiring care (or their family/representative) pays the costs for their care.
  • NHS funded care: in some circumstances, the person requiring care may be part or wholly funded.

Local authority funded care

You will need to contact your local authority so that they can carry out a free needs assessment to assess your eligibility for care. If you are assessed as being eligible, the next step is for a financial assessment to be carried out to calculate how much you will need to contribute to your care costs.

There are thresholds for assets and savings, which may mean you will need to pay for care. The upper limits in 2020-21 are:

  • In England: £23,250
  • In Wales: £24,000
  • In Northern Ireland and Scotland: a financial assessment does not apply, as personal care at home is free to people who are assessed by their local authority as needing it. 
Even if you choose not to apply for support from your local authority, it can be beneficial to go ahead with a needs assessment because your local authority representative will be able to talk you through the range of services available to meet your needs. For example, occupational therapy or physiotherapy services can still be accessed free of charge even though you may not apply for funding for your care.

"The support from the office has also been outstanding. Thank you for the excellent care that you all provide.”
Sandie, service user's daughter

Self-funded care

You will be responsible for paying for your own care at home if you:

  • have assets and savings above the upper limits for care
  • are not eligible for local authority funding because your needs are not found to be sufficient following an eligibility assessment.

NHS funded care

NHS Continuing Healthcare provides funding for people who need care on an ongoing basis outside of hospital if they have complex medical care needs due to disability, accident or a major illness. This funding is not means tested.

Talk to us

We provide obligation free consultations with our trained team to discuss your personal home care plan, Please do get in touch for further information regarding any issues around funding your care, or simply for advice and guidance on the best care options for you or a loved one.

"I would recommend PillarCare unreservedly"
S.R, service user

Looking for advice?

    Call PillarCare today to discuss your care
    needs with a professional

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    020 7482 2188