Private Care and Self-Funded Care
Your Guide to Paying for Care Independently
If you are self-funding your care, you have full control over arranging and paying for the support you need, without involving your local authority.
What Does Self-Funding Care Mean?
Self-funded care means that you cover the full cost of your home care, private carer, or residential care without financial assistance from the council. However, some local authorities may still provide guidance in finding care or offer a service where they arrange care for you and then bill you—often with an additional admin fee.
How to Arrange Private Care
There are different ways to organise private care:
- Hiring a private carer or personal assistant – You can directly employ a carer, but this comes with legal responsibilities, including payroll, tax, and employment rights.
- Using a care agency – A care provider can arrange home care services without you taking on employer responsibilities.
- Residential care – If you need a care home, you will be responsible for funding the costs unless you qualify for financial assistance.
Managing the Cost of Self-Funded Care
Private care can be expensive, and budgeting for long-term care needs careful planning. If you need financial guidance, The Money Advice Service offers free support on managing care costs and understanding your options.
Deferred Payment Scheme: Using Property to Fund Care
If your assets are tied up in property and you need to move into a care home before selling it, you may qualify for a Deferred Payment Agreement (DPA). This allows the local authority to cover your care costs temporarily, which are later repaid from the sale of your home.
Where to Get Advice
For more information on private care funding, self-funding options, or legal responsibilities when hiring a carer, contact your local authority or explore independent financial advice services.