What is Self-Funded Care — and What Are Your Rights?

Self-funded care means paying for the full cost of your own care without a contribution from the local authority. You are a self-funder if your capital and savings — excluding your primary home — exceed £23,250. The majority of people entering care in the UK begin as self-funders.

What self-funders are entitled to

Being a self-funder does not mean the local authority plays no role. You are still legally entitled to a care needs assessment from your local council, free of charge — and this assessment can be invaluable in clarifying exactly what type and level of care is appropriate. You are also entitled to ask the council to arrange your care on your behalf, even as a self-funder, though they may charge an administration fee for doing so.

What self-funders often pay more

Self-funders frequently pay higher care home fees than local authority-funded residents in the same home — in effect subsidising the difference between the council's standard rates and the home's actual charges. This is a widely acknowledged practice in the care sector. Understanding this dynamic, and what to look for when negotiating fees, is part of what an independent care adviser helps with.

Planning ahead

Many self-funders will eventually deplete their assets to the means-tested threshold and transition to council-funded care. Planning for this transition in advance — understanding which homes accept council rates, and whether a Deferred Payment Agreement or other financial product might be appropriate — can make an enormous difference to the quality of care available in the long term.

Whether you are self-funding now or planning ahead, getting independent advice before you commit to a care home is one of the most valuable things you can do. Speak to us →