A Guide to Funding Options for Home Care in Bromley
When a loved one needs extra support at home, finding the right care can feel overwhelming—especially when it comes to understanding the costs involved. At Bluebird Care Bromley, we know how important it is to ensure your family member receives the care and dignity they deserve. That’s why we’ve put together this guide to help you explore the different funding options available, so you can make informed decisions with confidence and peace of mind.
Understanding the Cost of Home Care
Home care services range from occasional visits to full-time live-in support, depending on the individual’s needs. Costs can vary based on the level of care, the provider, and the location. While some families choose to self-fund, there are various financial support schemes available to help ease the burden.
Attendance Allowance
Attendance Allowance is a tax-free benefit available to individuals over the State Pension age who need support due to illness or disability. Since it is not means-tested, it does not depend on income or savings. This benefit is available at two rates, depending on the level of support needed, and can help with the cost of care.
Local Authority Funding in Bromley
The local council in Bromley may provide financial assistance for those who meet eligibility criteria. The process typically involves:
- A Care Needs Assessment – Carried out by Bromley social services to determine the level of support required.
- A Financial Assessment (Means Test) – Reviews income and savings to determine what contribution, if any, the individual needs to make.
If eligible, Bromley Council may cover part or all of the care costs, either by arranging services directly or providing direct payments for the individual to manage their care independently.
Personal Independence Payment (PIP) and Disability Living Allowance (DLA)
For those under State Pension age who require support due to a long-term illness or disability, Personal Independence Payment (PIP) or Disability Living Allowance (DLA) may be available. These benefits can be used to help cover home care services and other essential costs.
Carer’s Allowance
If you or a family member provide regular care for a loved one, you may be eligible for Carer’s Allowance. This financial support is available for those who care for someone for at least 35 hours per week and meet certain criteria.
Support from Charities and Care Grants
Several charities and organisations offer grants to help with home care costs. These include:
- Turn2us – A charity offering financial support and grants.
- The British Red Cross – Provides temporary home care assistance.
- Age UK – Offers guidance on funding and financial support options.
Lifetime Mortgages
For those who do not qualify for government assistance, a lifetime mortgage can provide an alternative solution. This option allows homeowners aged 55 and over to access a portion of their property’s value as tax-free cash while retaining ownership. The loan is repaid when the property is sold, usually when the homeowner moves into long-term care or passes away. This can be a helpful way to fund home care without selling the home immediately.
Helping You Make the Best Choice
Navigating home care funding options can feel complex, but you don’t have to do it alone. At Bluebird Care Bromley, we’re here to help you explore the best solutions for your loved one’s care needs. If you’d like guidance or need support in putting a care plan in place, our team is just a phone call away.
Contact us today to find out how we can support you and your family.
