When it comes to self-funding care, we understand that you might have a number of questions regarding how self-funding works, how much it costs, and whether you need to make a long-term commitment. So we’ve put together this handy guide to help you make informed decisions about the services you or your loved one may need. Whether you’re planning for the future or seeking care urgently, we’re here to help.
How Does Self-Funding Care Work?
Self-funding, sometimes referred to as private paying, means you pay for your care services without financial support from the local authority. Many individuals choose to self-fund in order to access personalised care more quickly, or because they are not eligible for publicly funded support.
Frequently Asked Questions
1. How do I know if I need to self-fund my care?
If your savings, income, and assets (including property) exceed the financial threshold set by your local authority (currently £23,250 in England), you’ll likely need to pay for your own care.
2. What types of care can I self-fund with Premier Community?
You can self-fund a wide range of home care services, including:
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Personal care (washing, dressing, toileting)
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Medication assistance
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Meal preparation
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Companionship and social support
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Housekeeping and domestic help
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Overnight Care
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Respite care
3. Can I choose how much or how little care I receive?
Absolutely. We work with you to create a personalised care plan tailored to your exact needs and preferences. Whether you need occasional support or full-time care, we’re here to help.
4. How much does self-funded care cost?
Costs vary depending on the type and frequency of care. We offer transparent pricing and can provide a detailed quote after an initial consultation. There are no hidden fees—what you see is what you pay.
5. Can I still get a care needs assessment if I’m self-funding?
Yes. You’re entitled to a free care needs assessment from your local authority, regardless of your financial situation. This can help you understand what support you may benefit from, even if you choose to fund it yourself.
6. How do I start receiving care?
Getting started is simple:
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Contact our team for a no-obligation conversation.
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We’ll arrange an in-person or telephone assessment.
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Together, we’ll create a bespoke care plan.
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Care begins at a time that works for you.
7. What happens if my financial situation changes?
If your savings or assets drop below the local authority threshold, you may become eligible for funded care. We can help guide you through the transition and support you in contacting your local authority.
8. Is there any financial advice available for self-funders?
Yes. Our website has several resources that can help explain options like care annuities, equity release, and charitable grants. However, we would always suggest seeking independent financial advice before making any commitments.
10. Can I stop or change my care plan at any time?
Yes. Our services are flexible and built around your evolving needs. You can pause, stop, or increase care at any time with appropriate notice.
11. Will I have the same carer each visit?
We strive for consistency, especially for regular clients. While we can’t guarantee the same carer every time, we aim to keep your care team small and consistent to build trust and familiarity.
12. What makes Premier Community different?
We are a family-run business built on compassion, professionalism, and integrity. Our care is not only personalised but also deeply rooted in community values—helping you or your loved ones live safely and comfortably at home, on your terms.
Need More Help?
Our friendly team is ready to answer your questions or schedule a free consultation.
