Independent · no commission from any care provider · fees published
Professionals
The benefits most people paying for care never claim
Attendance Allowance, Pension Credit, Carer’s Allowance, Council Tax Reduction, the personal expenses allowance. None is means-tested against savings the way care fees are, several unlock each other, and a large proportion of self-funders claim none of them because nobody tells them to. This page is the short version, with the free check.
What each one is, and who it is for
Attendance Allowance
Over State Pension age and needing help with personal care or supervision for six months. Two rates. Claim it whether at home or self-funding in a care home; it stops if the council pays for the home.
Pension Credit
Tops income up to a guaranteed level, with extra for severe disability or caring. Passport to Council Tax Reduction, free TV licence over 75, and help with costs.
Carer’s Allowance
For a carer of any age giving 35 hours a week to someone on Attendance Allowance or PIP, earning under the limit. May reduce the cared-for person’s severe disability premium – check before claiming.
Council Tax Reduction and disregards
A person with severe mental impairment is disregarded for council tax entirely; a carer living in may be too. Backdatable in many councils.
Personal Expenses Allowance
If the council funds a care home, the resident keeps a weekly allowance from their income that the home cannot take. Know the figure.
NHS-funded Nursing Care
Not a benefit – an NHS payment to a nursing home for the nursing element. Not means-tested. Ask whether it has been assessed.
One check, every route
The funding entitlement check lists every route – NHS, council, benefits – with what to claim, in what order, and the forms. It is the cheapest thing we sell and the one most likely to pay for itself the same month.
CHC, FNC, Section 117, Attendance Allowance, Pension Credit, Carer’s Allowance, Council Tax – in writing, in five working days.
What this is not
- We do not act as a DWP appointee or fill in the claim for you – Age UK and Citizens Advice do that free, and we point you to them.
- Benefit rates change every April; we quote the current ones on the call, not on the page.
Most families are owed something. Find out what.
Free 20-minute call; entitlement check in five working days.
No pressure. No care-provider commissions. A written next-step note after every free call.