Meeting the cost of care in old age is a growing issue for many people in the UK.

As life expectancy continues to lengthen, more of us can expect to require some form of long term care, whether at home or in a residential setting.

The costs involved can be daunting to say the least. The average cost of residential care in the UK is now estimated at £24,908 a year. If nursing is also required, this can rise to £34,788 a year.  Care at home can, for some people, be a realistic alternative to residential care, but there are still serious financial aspects to be planned for.

While the State can help with some costs, eligibility for help is limited and many people find themselves over the threshold at which state support is provided. The subject of state funding of long term care has been receiving increased political and media attention, but any significant changes will take years to implement. In the meantime, an increasing number of elderly people are therefore having to self-fund their care.

It’s therefore really important to understand realistic costs to provide high quality care at home, and to understand what benefits, state support and other entitlements may be available to help fund care.

Funding Options:

Self funding

Our customers pay for their support in many different ways. You may benefit from Local Authority funding depending on your circumstances, or you may need, or wish to pay for the care and support yourself.

Many of our customers do both; they receive local authority funded support and 'top up' the support they receive by paying for the little extra things themselves that their Local Authority does not provide, yet these extra things can greatly enhance quality of life.

Some of our privately paying customers who are over 65, claim Attendance Allowance which is non-means tested and can be used to pay for home care.



How much does home care cost?

We know that you are looking for the highest quality of home care, and we understand that whilst you are looking at your options,  you may also want to understand more about home care costs.

We always provide a full care assessment, in person at the home of the person we will be supporting to fully understand their needs and wishes.


Following an assessment, we are in a better position to provide you with the actual cost of the care delivery.

Direct Payments

Direct Payments provide you with more flexibility in the way you receive your care.

By receiving payments to select your own care and support, rather than receiving support directly from social services, you're given greater choice. You decide who supports you, what time and how you're supported.

Following an assessment from your local Social Services, you have the right to ask for Direct Payments instead of having the care service arranged for you.

Who can get Direct Payments?

Direct payments are available for people who are:

  • Older and need social care services

  • Over 16 with a Physical or Learning Disability

  • Disabled Parents

  • A family carer (over 16)

How do I get assessed for Direct Payments?

If you need to know more about Direct Payments, how to get assessed for qualification, or what you are allowed to spend it on, visit the NHS Choices website.

Merit Healthcare Ltd   - Suit A, 13-19 Stroud Road, Gloucester, GL1 5AA   Tel: 01452 901975  Email:

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