Funding by Nation: a 3 min read..
Funding by nation - where you live matters…
England — If you have capital above £23,250, you will normally be expected to pay the full cost of your care. Between £14,250 and £23,250, a tariff contribution is calculated from your capital. At or below £14,250, your capital is disregarded, although your income may still be taken into account. For care provided at home, a local authority may operate a more generous capital limit. https://www.gov.uk/government/publications/social-care-charging-for-local-authorities-2026-to-2027/social-care-charging-for-care-and-support-2026-to-2027-local-authority-circular?utm_source=chatgpt.com
Wales — For care at home and other non-residential support, savings and investments above £24,000 may be taken into account, but local-authority charges are currently capped at £100 per week for services covered by the cap. The value of your home is not included in the non-residential assessment. For residential care, the capital limit is £50,000; above this amount, you may be required to pay the full cost. https://www.gov.wales/charging-social-care?utm_source=chatgpt.com.
Scotland — Personal care at home is free for adults who have been assessed by their local authority as requiring it, regardless of savings or income. Councils may charge for domestic, practical and other non-personal support following a financial assessment. COSLA’s 2026–27 guidance recommends capital disregards of £6,000 for people below State Pension age and £10,000 for people at or above State Pension age. It recommends an upper capital limit of £16,000 for chargeable non-residential support, although individual council charging policies may vary.https://www.legislation.gov.uk/ssi/2026/42/made and https://www.cosla.gov.uk/__data/assets/pdf_file/0023/70763/COSLA-Social-Care-Charging-Guidance-2026-27.pdf?utm_source=chatgpt.com
Northern Ireland — For residential or nursing-home care, capital above £23,250 normally means paying the full cost. Between £14,250 and £23,250, tariff income is applied, while capital of £14,250 or less is disregarded. The financial assessment is carried out by the relevant HSC Trust. Different charging arrangements apply to domiciliary and home-help services. https://www.health-ni.gov.uk/publications/home-help-and-domiciliary-care-guidance
OUR ROLE
AtHome Care is here to help make finding the right care feel simpler and less overwhelming. We can help you explore suitable carers and personal assistants based on your loved one’s needs, personality, location and budget, so you can choose someone who feels right for your family.
Funding works differently across England, Wales, Scotland and Northern Ireland as we have laid out, and while we cannot assess eligibility or arrange statutory funding, we can point you towards the appropriate local authority, NHS service, Health and Social Care Trust or official body for guidance. Once you know what funding may be available, we can support you in finding a care arrangement that works for your family
