After your needs assessment, your council carries out a financial assessment to decide whether it will contribute toward homecare costs.
How the means test works
- Savings and capital – In England, if you have more than £23,250 in savings or investments you are considered a self‑funder. Between £14,250 and £23,250, the council will fund part of your care and you contribute the rest. If your capital is below £14,250, the council pays for your care but may take some of your income[1].
- Income – The council will leave you with a protected amount for personal expenses; the rest may go toward care fees[2].
- Housing – The value of your home is not included in the means test if you are receiving care at home[1].
Assessment outcomes
If you are eligible for funding, the council can either arrange services on your behalf or provide direct payments so you can choose your own provider. In some cases, you may combine council‑funded hours with privately funded additional visits to get a comprehensive service.
Primacy Homecare supports families through local authority processes and can provide services funded by direct payments or privately. Our flexible care plans ensure continuity even if funding arrangements change.