10 Questions to Ask Before Arranging Home Care Funding

Care funding can feel like a maze of forms, thresholds, and terms. But asking the right questions early can save confusion — and money — later.

At Bellus Care & Support, we help families make sense of funding routes, from local authority assessments to private or blended arrangements.

Here are ten essential questions to ask before setting up home care funding.

1. What type of care is needed — and how often?

Understanding whether support is hourly, live-in, or occasional shapes every funding discussion.

Start by mapping out your loved one’s needs — personal care, companionship, or complex support.

For help assessing care needs and options, visit My Care Direction.

2. Am I eligible for local authority funding?

Each council applies financial thresholds based on income and savings.

Request a Care Needs Assessment followed by a Financial Assessment to establish entitlement.

3. What happens if we exceed the funding threshold?

Those above the savings limit often fund care privately or through top-up arrangements.

Even if self-funding, advice can ensure fair rates and access to future support.

4. Can NHS Continuing Healthcare (CHC) or Nursing Care (FNC) apply?

If needs are primarily health-based, full or partial NHS funding might be available.

It’s complex but worth exploring — eligibility can save thousands per year.

Explore more on My Care Direction Funding Options.

5. What if the property is part of the financial assessment?

Some assets, like a main home, may be excluded under certain conditions — for example, if a spouse still lives there.

Ask about property disregards and Deferred Payment Agreements before making decisions.

6. How do Direct Payments or Individual Service Funds work?

These allow families to manage care directly and choose their preferred providers.

Our team can help set up flexible arrangements that balance independence and oversight.

7. Are there benefits we haven’t claimed yet?

Attendance Allowance, Carer’s Allowance, or Pension Credit can significantly help with costs.

Even small benefits can bridge care gaps.

8. Can charities or trusts help with additional costs?

From mobility aids to home adaptations, grants may be available.

The My Care Direction Store highlights products that may qualify for charitable or VAT-free purchase.

9. What records should we keep?

Keep every assessment letter, care invoice, and payment schedule.

Clear records make renewals, appeals, or funding reviews far easier to manage.

10. Who can guide us through all this?

Independent care consultants — like those at Bellus Care & Support — provide impartial clarity across all funding routes.

Professionals or solicitors seeking to collaborate on funding support can explore My Care Direction for Businesses.

Final Thought

Asking good questions turns care funding from a source of stress into a pathway for stability.

With clear advice and trusted guidance, families can focus less on paperwork — and more on what really matters: quality care and peace of mind.