Financial Assistance & Funding Options for Private Home Care – Avant Homecare
Private home care offers individuals the freedom to receive high-quality, personalised support while remaining in the comfort and familiarity of their own home. Whether it’s a few hours a week or full-time live-in care, private care can be an ideal solution for older adults, people with disabilities, or those recovering from illness or surgery. However, one of the most common concerns families face is how to afford the cost of ongoing care.
At Avant Homecare, we believe that financial worries should never prevent someone from receiving the compassionate and professional support they need. In this guide, we outline the most common funding options and financial assistance available to help cover the cost of private home care in the UK.
Understanding the Cost of Private Home Care
The cost of home care can vary significantly depending on the level of support required. Factors include the frequency of visits, whether live-in care is needed, the complexity of care (for example, dementia support or mobility assistance), and the location.
At Avant Homecare, we provide clear, transparent pricing and flexible packages to suit a range of needs and budgets. Whether you’re seeking short-term support or a long-term care arrangement, we tailor every plan to the individual.
1. Local Authority Support
Even when using a private provider like Avant Homecare, financial assistance may be available through your local authority. To begin the process, you’ll need to request a Care Needs Assessment, which determines the level of support your loved one requires.
If eligible, a financial assessment (means test) will follow to establish whether the local council will contribute towards the cost of care. If you qualify for funding, you may be offered:
Managed services, where the council arranges care on your behalf
Direct payments, where you receive funds directly and can choose your own private provider
Many of our clients at Avant Homecare receive direct payments and choose us for our tailored and person-centred approach.
2. NHS Continuing Healthcare (CHC)
In cases where care needs are primarily health-related and complex, you may be entitled to NHS Continuing Healthcare. This is a fully funded care package provided by the NHS and can cover care in a home setting.
To access CHC, your loved one must undergo a detailed assessment by a multidisciplinary team. If approved, all care costs will be covered, including services provided by private care agencies such as Avant Homecare.
3. Attendance Allowance & Personal Independence Payment (PIP)
These non-means-tested government benefits are designed to support those with long-term care needs:
Attendance Allowance – For individuals over State Pension age who require help with personal care due to illness or disability
Personal Independence Payment (PIP) – For those under State Pension age needing support with daily living or mobility
While these benefits don’t cover the full cost of care, they can significantly ease the financial burden and can be used in combination with other funding options.
4. Self-Funding and Flexible Options
Many individuals and families choose to self-fund their care, especially if they do not qualify for council or NHS assistance. At Avant Homecare, we offer flexible pricing, no long-term contracts, and tailored care packages to suit your unique needs and financial situation.
We are happy to provide guidance on budgeting and work closely with clients to ensure care remains affordable and sustainable over time. Our goal is to make professional care accessible without compromising on quality or continuity.
5. Equity Release and Other Financial Products
Some families explore financial products such as equity release, care annuities, or using savings and investments to fund care. It is strongly recommended to seek independent financial advice when considering these options, especially when long-term care is expected.
Final Thoughts
Paying for home care can feel daunting, but with the right information and support, it’s possible to find a solution that works for your family. From local authority funding and NHS support to government benefits and flexible private care plans, there are a variety of ways to make high-quality care more accessible.
At Avant Homecare, we’re here to guide you every step of the way. If you have questions or need help exploring your options, our friendly team is just a phone call away. Let us help you secure the compassionate, personalised care your loved one deserves.
