A simple guide to homecare options
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Many people across Epsom, Purley, Banstead, Weybridge and the surrounding Surrey areas are unsure what financial support may be available, whether they qualify for funding, or how much paying for elderly homecare may cost.
The good news is that there are several different funding options available, and understanding them early can help families make calmer, more informed decisions about care.
Does the local authority pay for homecare?
Some people may be eligible for financial support from their local authority towards the cost of care.
This usually involves:
The amount of support someone receives will depend on factors including:
- Savings and assets
- Income and pensions
- Property ownership
- The level of care required
Even if you expect to pay for care privately, arranging a care needs assessment can still be useful, as it helps families better understand what support may be appropriate.
What is NHS Continuing Healthcare?
Some individuals with significant or complex medical needs may qualify for NHS Continuing Healthcare funding.
Unlike local authority funding, this support is arranged and funded by the NHS.
Eligibility is based on medical needs rather than financial circumstances, but the assessment process can often feel complicated for families navigating it for the first time.
Seeking advice early can make the process much easier to understand.
Attendance Allowance and financial support
Many older adults receiving care at home may also qualify for Attendance Allowance.
This benefit is designed to help with the additional costs associated with care and support needs and is not means-tested.
Families are often unaware they may be entitled to this financial support.
Depending on someone’s circumstances, other benefits and financial assistance may also be available.
Paying privately for homecare
Many families choose to fund elderly homecare privately using:
- Savings
- Pensions
- Investments
- Equity release
- Family contributions
One of the advantages of homecare is its flexibility.
Support can often be tailored around both care needs and budget, starting with smaller amounts of help and increasing gradually over time if needed.
Why planning ahead matters
One of the biggest challenges families face is making financial decisions during a crisis.
This often happens following:
- A hospital admission
- A fall
- Worsening health
- Increasing memory concerns
- Family carer burnout
Planning ahead gives families more time to:
- Understand funding options
- Explore care choices
- Put legal arrangements in place
- Consider long-term affordability
- Reduce stress and uncertainty
Even small conversations early on can make a significant difference later.
Seeking advice and support
Families often benefit from speaking to:
- Care professionals
- Financial advisers
- Solicitors
- Local authority teams
At GoodOaks Homecare Epsom and Reigate, we regularly support families through the practical side of arranging care, helping them better understand the options available and what support may be most appropriate.
The service was recently rated Outstanding by the Care Quality Commission, with inspectors praising its strong communication and partnership-led approach.
“Relatives told us they felt fully involved in care decisions.” – Care Quality Commission
Understanding care costs with confidence
Arranging elderly homecare can feel like a major step, both emotionally and financially.
But understanding the support available early can help families focus less on panic and more on finding the right care for their loved one.
Looking for elderly homecare in Epsom and Reigate?
If you would like advice about arranging care or understanding the different homecare options available, our friendly team is here to help. We can guide you through the available services, explain funding and support you in finding the right care solution for your loved one’s needs, ensuring reassurance every step of the way.
Contact GoodOaks Homecare Epsom and Reigate to learn more about our personalised elderly homecare services.
