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Stage 5 of 7

Care Home & Funding ⏱️ 13 minute read

When Home Is No Longer the Right Place

1Diagnosis&Understanding2PlanningAhead3Living Wellat Home4IncreasingCare Needs5Care Home& Funding6End of Life7Bereavement& MovingForwardThe Care CompassGuiding you every step of the way

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When Home Is No Longer the Right Place

For many families, this is the stage they hoped they would never reach.

The thought of moving a loved one into a care home can bring feelings of sadness, guilt, uncertainty and even a sense of failure. If that's how you're feeling, you're not alone.

Almost every family wrestles with the question: "Are we doing the right thing?"

The truth is that choosing a care home is rarely about giving up. More often, it's about recognising that your loved one's needs have reached a point where they require more support than can safely be provided at home.

Making that decision is one of the greatest acts of love many families will ever make. It's choosing the care your loved one needs, even when it's one of the hardest decisions you'll ever face.

Recognising When It May Be Time

There is no single event that tells you it's time to consider residential care. Instead, it's often a combination of changes over weeks or months.

You may begin considering a care home if:

  • Your loved one now requires support throughout the day and night.
  • Falls are becoming more frequent.
  • Personal care needs have become increasingly complex.
  • Medication is becoming difficult to manage safely.
  • Behaviour or confusion places them at risk.
  • They are becoming isolated or lonely.
  • Their health needs now require regular nursing support.
  • Family carers are physically or emotionally exhausted.

Sometimes the decision follows a hospital admission, where professionals recommend that returning home is no longer the safest option. Sometimes families simply reach a point where they realise they can no longer provide the level of care their loved one deserves.

Neither situation represents failure. Needs change. Care changes too.

Understanding the Different Types of Care Home

Residential Care Homes provide accommodation, meals, personal care and support with everyday living. Suitable for people who need help with daily activities but not regular nursing care. Staff are available around the clock, but there are not usually registered nurses on duty at all times.

Nursing Homes provide everything a residential home offers, alongside 24-hour nursing care delivered by qualified nurses. Designed for people whose medical needs are more complex or who require ongoing clinical care.

Dementia Specialist Care . Some residential and nursing homes also offer specialist dementia care, often including specially trained staff, dementia-friendly environments, structured daily routines, activities designed to support cognitive wellbeing, and secure environments where appropriate.

Not every person living with dementia will require specialist dementia care immediately, but it's worth understanding what is available if needs change over time.

Visiting a Care Home

No brochure or website can replace walking through the front door yourself. Trust your instincts.

Ask yourself: "Would I feel comfortable living here?" Then ask an even more important question: "Would this feel like home for the person I love?"

When visiting, take your time. Notice how staff interact with residents. Observe whether people appear comfortable, engaged and treated with dignity. Look beyond décor and furnishings. The atmosphere often tells you far more than the building itself.

Things to look for: warm, friendly interactions between staff and residents; clean, comfortable surroundings; residents appearing relaxed and well cared for; opportunities for meaningful activities; quiet spaces as well as communal areas; safe outdoor access where possible; staff who know residents personally rather than simply completing tasks.

The best care homes rarely feel rushed. They feel calm.

Questions to Ask During Visits

  • How are care plans created and reviewed?
  • How do you get to know each resident as an individual?
  • How do you support people living with dementia?
  • What happens if someone's needs change?
  • How are families involved?
  • Can residents personalise their rooms?
  • What activities are available?
  • How do you support people who become distressed or anxious?
  • What happens if someone needs to go into hospital?
  • How do you communicate with families?

You may also wish to visit more than once, including at different times of day. A second visit often provides valuable reassurance.

At a glance: what to focus on during a visit
1

Person-centred care

How they get to know each resident, personalise rooms, and support dementia.

2

Change & continuity

What happens if needs change, or if someone needs hospital care.

3

Family involvement

How they communicate with families and involve you in decisions.

The Walk That Never Got Easier

A personal, honest account. This one doesn't shy away from the harder parts of the disease.

I'll never forget the first time I took Mum to the care home. It remains, without question, the toughest day of my life, and it will live with me forever. She didn't want to leave. It had been her home for 52 years, and it was my decision to move her away from it. It had to be done, for her health, her safety, and her quality of life. That's exactly what I'd signed up for when I became her attorney.

What I hadn't prepared for was every visit afterwards. The home was laid out with those living with more advanced dementia at the front, and Mum, who still had her mobility back then, further back. That walk through the front section, every single time, was the hardest part of the visit. It never got easier.

That's where you see the disease in its more advanced stages. It's an awfully cruel illness, and walking through that section made its reality unavoidable, every time.

My mind would race. When will Mum reach that stage? What does that stage actually look like? Does it happen quickly, or gradually? I couldn't really ask anyone. The carers always seemed stretched, and it never felt like the right moment.

It's the most sobering part of this cruel disease, and I know this is raw, brutal honesty. It's something my brother and I both struggled with, every single visit. You have to stay strong. You have to stay positive. You have to keep cherishing every day you still have with them. None of that makes it easier.

But there are two things that gave me real comfort, and still do. The care Mum and everyone else at that stage received was the best I've ever seen, world-class, exceptional. Nobody was in pain. Everyone was comfortable. And the second thing: by that stage, our loved ones themselves don't fully realise what's happening, or where they are in the journey anymore. I took real comfort from both of those. They're what helped me keep going.

By that stage, our loved ones themselves don't fully realise what's happening, or where they are in the journey anymore. I took real comfort from that.

This is a personal, true account shared to help others feel less alone. It isn’t medical advice, and everyone's experience of this disease is different. If this brings up difficult feelings, your GP, Dementia UK's Admiral Nurses, or Carers UK can all help.

Understanding Funding

One of the biggest worries for many families isn't choosing a care home. It's wondering how it will be paid for.

The amount someone contributes towards their care depends on several factors, including where they live within the UK, their health needs and their financial circumstances. Because the rules differ between England, Wales, Scotland and Northern Ireland, always check guidance specific to your nation.

NHS Continuing Healthcare (CHC) . Some people with significant ongoing healthcare needs may qualify for NHS Continuing Healthcare. If eligible, the NHS may fund the full cost of care. Eligibility is based on the nature, intensity, complexity and unpredictability of someone's healthcare needs, not simply on a diagnosis such as dementia. If you believe your loved one's health needs have increased, ask whether they should be considered for an assessment.

Worth knowing: applying for CHC is free, and you don't need a paid company to do it. You'll likely come across "no win, no fee" firms offering to handle a CHC claim for a cut of any backdated funding. The Continuing Healthcare Alliance, a group including Age UK, Dementia UK, the Alzheimer's Society and Marie Curie, has specifically warned families to be cautious of these firms, some of which use contracts that make it hard to withdraw from a claim or reclaim your loved one's care records once signed. You're free to apply for an assessment yourself, at no cost, directly through the NHS. There's also a free, NHS-funded advice service called “Beacon”, offering up to 90 minutes of genuine support to help you navigate the process. Worth trying that route first before signing anything with a paid firm.

NHS Funded Nursing Care , If someone lives in a nursing home and does not qualify for full NHS Continuing Healthcare, they may still be eligible for NHS-funded nursing care, which contributes towards the cost of nursing provided by registered nurses.

Local Authority Funding , If someone does not qualify for NHS funding, their local authority may contribute towards care costs following a financial assessment (commonly known as a means test). The assessment considers factors such as savings, income and assets, although exact rules vary by location.

Self-Funding . Some people pay some or all of their own care costs. Even if someone is currently self-funding, it's still worth asking for advice about assessments, benefits and future funding options. Planning early gives families more time to understand the choices available.

Understanding Means Testing

Many families find the financial assessment process confusing. Remember: a financial assessment is separate from a care needs assessment. One looks at what care is needed. The other looks at how that care may be funded.

It's perfectly reasonable to ask someone to explain the process in plain English if anything is unclear. Don't feel pressured into making financial decisions until you understand your options.

Making the Decision Together

Choosing a care home isn't simply about finding a vacancy. It's about finding the right place.

Wherever possible: involve your loved one, visit more than once, speak openly as a family, listen to professional advice, give yourselves permission to take time.

No care home will ever replace family. The right care home simply becomes another part of your loved one's support network.

Your role doesn't end when they move in. It changes. Many families find they can return to being sons, daughters, husbands, wives or partners again, rather than feeling solely responsible for providing care every hour of the day.

Questions Worth Asking

  • Does this home meet my loved one's current needs?
  • Will it still meet their needs if those needs increase?
  • How are families kept informed?
  • What funding options may be available?
  • Should my loved one be assessed for NHS Continuing Healthcare?
  • Has a financial assessment been completed?
  • What happens if their care needs change after they move in?
  • Can we visit again before making a decision?

Helpful Resources

  • The Care Compass Journey Planner
  • The Care Compass Jargon Translator
  • The Care Compass Working Carers Toolkit
  • Dementia UK
  • Alzheimer's Society
  • GOV.UK (for information on Lasting Power of Attorney, benefits and care funding)
  • Your local authority Adult Social Care team
  • Your NHS Continuing Healthcare team, if an assessment may be appropriate

Looking Ahead

For many families, moving into a care home brings mixed emotions. There may be relief that professional support is now in place. There may also be sadness, guilt or a sense that another chapter has come to an end. Those feelings are completely normal.

Even with excellent care, dementia and other life-limiting conditions continue to progress. Over time, conversations may begin to shift towards comfort, dignity and ensuring your loved one receives the right support during the final stage of life.

Although these discussions can feel incredibly difficult, they are also an opportunity to make sure your loved one's wishes remain at the centre of every decision.

The next stage explores end-of-life care, what families can expect and how to navigate one of life's most emotional journeys with compassion and confidence.

A Final Thought Before You Move On

Few decisions carry as much emotional weight as choosing a care home.

You may question yourself. You may wonder whether you could have done more. You may even feel guilty on the drive home after your first visit.

Please remember this: love isn't measured by where someone receives their care. It's measured by the thought, compassion and courage behind the decisions you make.

Sometimes, the kindest decision isn't the easiest one. It's recognising that your loved one deserves the right care, delivered by the right people, in the right environment.

That doesn't mean you've stopped caring. It means you've chosen to share the responsibility with people whose job is to care alongside you.

Your relationship doesn't end when someone moves into a care home. In many ways, it begins to change for the better.

Instead of spending every moment worrying about medication, personal care or keeping someone safe, you may find yourself able to simply sit together, hold their hand, share memories and enjoy being family again.

And sometimes, that's one of the greatest gifts you can give both them and yourself.

Common Questions About Care Home Funding

How much can I have in savings before I have to pay for care myself?

In England, if your savings and assets total more than £23,250 you're classed as a self-funder and pay the full cost. Below £14,250, only your income is assessed, with protections to make sure you keep a minimum weekly amount. Between the two, the council contributes but you also pay a means-tested amount worked out at £1 a week for every £250 of capital above £14,250. Scotland and Wales use different thresholds, so check the current figure for where you live.

Do I have to sell my house to pay for care?

Not necessarily, and not immediately. Options include renting the property out to cover fees, a deferred payment scheme where the council effectively loans the cost against the property's value until it's sold later, or equity release, though this tends to come with high interest rates and is worth getting independent advice on first.

Am I responsible for my parent's care home fees?

No, not automatically. Family members aren't legally liable for a relative's care fees unless they've personally signed an agreement to pay, such as a third-party top-up arrangement. The local authority's financial assessment looks only at the finances of the person needing care.

What's the difference between NHS funding and council funding?

NHS Continuing Healthcare (CHC) is entirely need-based, not means-tested at all, if someone qualifies, their care is fully funded regardless of savings. NHS-Funded Nursing Care (FNC) is a smaller weekly contribution toward nursing costs specifically. Local authority funding, by contrast, is means-tested against the capital thresholds above. Ask to be assessed for CHC first, since it doesn't depend on your finances at all.

What happens when savings run out?

Once assets fall below the upper threshold, it's worth requesting a fresh financial assessment from the council so they can start contributing. It's sensible to start this conversation a few months before funds are expected to run out, rather than waiting until they have.

You don’t have to navigate it alone.