Professional & Quality Service without the High Street Price Tag

NHS Care Funding

Must I pay for my own Residential or In-Home Healthcare if I own Assets?

A common myth is that if a person owns assets, including property, then they must pay for their own care. This is incorrect as the value of your assets is irrelevant for HEALTH care and is only taken into account for SOCIAL care.

In law, all UK citizens ordinarily resident in the UK are entitled to free HEALTH care under the National Health Service (NHS) whether in hospital, at home or in a residential care facility.

Unfortunately, for a number of reasons the NHS often incorrectly denies funding because in practice the application process is flawed, overly complicated, confusing to most members of the NHS and motivated by financial rather than medical objectives.

If a care need can be identified as SOCIAL (such as lack of mobility) rather than HEALTH (dementia, cancer, etc.) then the NHS will determine that care should not be funded by them but rather by a local authority. This then means that if a patient has assets of £23,250 (correct as at June 2020) or greater, including property, the patient must pay for their own care.

Thus, the vast majority of patients with long term health needs are refused NHS Care funding and understandably simply accept this.

However, once patients and their relatives are aware that the law protects their right to NHS funding for genuine healthcare needs, they simply need to adopt a proven process in order to obtain funding or appeal an incorrect refusal for NHS funding.

TRF provide full support and guidance throughout this process for patients and their relatives. The only costs incurred by the patient or their relatives during this process are those of any NECESSARY EXPENSES incurred by TRF in order to provide the appropriate support and guidance. This amounts to travel expenses for attending assessment and/or funding appeal meetings as well as essential administration costs.

No fees are due at any time during the assessment process (or appeal process if relevant). Once successful in obtaining NHS Care Funding for the patient, a fee of £5,000 falls due to TRF by the patient or their relative, minus any travel and administration costs already paid (There is NO additional VAT charge).

To put this into perspective, the average cost of permanent care in the UK is well in excess of £2,000 per month. Therefore, a successful application or appeal for NHS funded care would save a patient or their relatives well in excess of £24,000 per year.

Please note that NHS Healthcare funding continues to be assessable after it has been granted and if the patient’s health need(s) recede(s) sufficiently, then funding may well no longer be available.

It is also extremely important for a patient to arrange Lasting Power of Attorney (LPA), at least for their Health & Welfare, as soon as possible whilst they maintain their mental capacity. This makes the process of obtaining eligible funding or appealing a refusal for funding far easier should the patient lose their mental capacity at any time thereafter.
Social Care

If you are unable to find the information you need on this site, then please contact Michael Cotterill, WITHOUT COST OR OBLIGATION, on either
01392 949003 or 07784 028708

If you prefer, you can email him at 

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