Tel: 01962 852133

Paying For Care

residential care home resident reading a book

Paying for care is a big financial commitment and everyone’s situation is different so we have put together an outline of the key aspects, including an explanation of what makes Brendoncare unique – our charitable Care for Life promise.

Most of our residents fund their own care, referred to as self-funding, and funds will come from a mixture of public and private sources such as state/private pensions, state benefits such as Attendance Allowance or Funded Nursing Care, savings, investments or care plans such as care needs annuities.

Other helpful information sources on paying for care and benefits include:

Factsheets and Information Services

Click to download and find out more:

(Alzheimer’s Society 0300 222 1122) 

(Independent Age 0800 319 6789)

Brendoncare's Care for Life Promise

The Brendoncare Care for Life promise ensures that once residents are accepted in one of our homes they will never be asked to leave due to lack of funds. This is often of enormous relief and comfort to both people seeking care and residents who already live with us. This policy also gives extra reassurance to the families of those who have moved in to one of our care homes.

Care for Life is a charitable third party top-up payment that can support those residents whose funds may have run down to the threshold set by the Local Authority. Should personal funds reach that point, then we will agree the amount the Local Authority will contribute so that it fairly reflects the needs and cost of caring for the individual in our care.

We wish to support those who need us and are also responsible for managing the charity’s funds in an equitable and sustainable way. So, in order to be fair, there are a small number of stipulations on our Care for Life Promise. We ask:

  • that a financial assessment form to be completed before moving in
  • for the form to contain a full and honest financial position
  • that there be no financial mismanagement during the residents stay.

If you are thinking of a move to one of our homes for either your or a loved one and would like more information or advice, then do get in touch with one of our friendly and knowledgeable team either by calling 0300 303 4866 or emailing homes@brendoncare.org.uk and someone will get in touch. You can find information on all our care homes by clicking this link.

NHS Continuing Healthcare (CHC) and NHS funded Nursing Care (FNC)

For a small number of residents who have been assessed as having a high ‘primary health need’ the NHS Care Commissioning Group (CCG) will fund a package of care. This is based on the level of health and associated social care needs that have arisen as a result of disability, accident or illness and is called Continuing Healthcare funding (CHC). The CHC funding rate is negotiated
between the NHS and the care home.

For residents that need nursing care from a registered nurse, but who are not eligible for full CHC funding, then Brendoncare will be able to apply for NHS-funded nursing care (FNC) on their behalf. If successful this is then paid to Brendoncare and deducted from care fees. The NHS will assess eligibility for both CHC and FNC funding on a regular basis and it can be withdrawn, so a financial assessment is still needed to understand an individual’s situation.

Care fee funding sources

Here’s an illustration that shows the different funding sources for care fees depending on whether a resident is self-funding, or
funded by CHC or the Local Authority’s Social Services.

Professional Financial Advice

Funding care fees can be complex and we would always recommend that you consult a suitably qualified Independent Financial Adviser (IFA), particularly if you wish to explore different funding options. SOLLA registered IFAs are specialists in this area and can be contacted via the Society of Later Life Advisers website or 0333 2020 454.