Help to fund your home care
Where to look for funding for home care across Hull & East Yorkshire
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Understanding how to pay for homecare can feel complicated, especially if you’re arranging support for the first time. At Sirius Homecare, we believe that clear information helps families make confident, informed choices.
How much you personally pay for homecare will depend on a number of factors — including your income, savings, investments, and any benefits you may be entitled to.
Sometimes care may be fully or partly funded by your local council or the NHS, depending on your circumstances and care needs.
This guide explains the main ways people pay for homecare and where you can find official advice and support in the Hull and East Riding area.
Ways to fund your homecare
There are three main routes people use to fund their homecare:
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Self-funding (private care)
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Direct Payments from your local council
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NHS Continuing Healthcare
Below, we explain each option in more detail.
1. Self-funding your homecare
Many people pay for their own home care using personal funds or help from family. This is called self-funding. If your savings and investments are above a certain limit, you may be required to pay for your own care - contact your local council to check the current threshold.
Common funding routes include:
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Personal savings or investments – You might use income from a pension, savings, or other assets such as stocks and shares.
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Equity release – A way of unlocking tax-free cash from your home while continuing to live in it, helping fund care and support as you age.
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Health or life insurance – Some private insurance policies include cover for homecare costs. Check with your provider to see what’s included.
Check you’re claiming all available benefits
It’s important to ensure you’re receiving all the benefits and financial support you’re entitled to. These can make a real difference to your ability to pay for care.
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Attendance Allowance (AA) – For people over State Pension age who need extra help to stay independent at home because of an illness or disability.
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Personal Independence Payment (PIP) – For people under State Pension age who need help with daily living or mobility.
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Carer’s Allowance – For family members or friends who provide regular care for someone else.
These benefits are not means-tested, which means your income and savings do not affect eligibility.
If you live in the East Riding, the Your Money team can help with claiming Attendance Allowance, PIP, or other financial benefits:
If you live in Hull, you can find advice here:
2. Local authority funding – Direct Payments
If you’re struggling with everyday tasks such as washing, dressing or cooking, you or your GP can ask your local council for a care needs assessment.
This is the first step in finding out what kind of help you’re entitled to and whether the local authority will contribute towards your care costs.
How it works:
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Care needs assessment – The council looks at what support you need to stay safe and independent at home.
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Financial assessment – If you qualify for help, the council will review your income and savings to decide how much they will pay and how much you’ll need to contribute.
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Direct Payments – If you’re eligible for funding, the council can give you a Direct Payment - money paid directly to you so you can choose your own care provider (like Sirius Homecare) instead of using a council-commissioned service.
This gives you more flexibility and control over who delivers your care, when they visit, and how support is provided.
Find out more
3. NHS Continuing Healthcare (CHC)
Under certain circumstances, your homecare costs may be fully funded by the NHS through a scheme called NHS Continuing Healthcare.
You may qualify if you:
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Have a long-term or complex medical condition
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Are over 18 and your main need for care is a primary health need (for example, ongoing medical supervision, frequent clinical intervention or palliative care)
If you’re assessed as needing Continuing Healthcare, the care you receive is free, just like other NHS services — it is not based on your income or savings.
To find out if you’re eligible, you’ll need an assessment arranged by your GP, social worker or health professional.
Learn more here:
What affects how much you’ll pay
Every homecare plan is individual, and costs vary depending on:
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The type of support you need (personal care, companionship, complex needs etc.)
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How many visits you require per day or week
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Visit length and time of day
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Location and travel distance
For a guide to typical prices in our region, visit our dedicated page:
Planning ahead
We understand that funding care can be confusing - and sometimes emotional. Our friendly team can help you explore your options, explain how assessments work, and signpost you to official resources so you can make informed decisions.
We’ll never offer financial advice, but we can share local knowledge and connect you with people who can help, including the local authority and the Your Money team.
Give us a call on 01482 655002 or email us at info@siriushomecare.co.uk to request a copy of our price list.
Speak to our friendly team
At Sirius Homecare, we’re here to make things easier - with clear information, transparent pricing, and care that fits your life.
If you’d like an informal chat about funding your homecare, or to learn more about how our services can fit your budget, please get in touch:
Call 01482 655002 or email us at info@siriushomecare.co.uk use our contact form below and we'll get back to you!
Your next step towards the right care
We know there’s a lot to think about when arranging care. These pages explain a bit more about how our service works, what to expect from your home visits, and the costs and funding for this care.
Home care
Find out how we support you to stay comfortable and independent at home.
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How It Works
See how we plan your care and what to expect from our team.
about us
From our carers and client stories to our vision, values and awards — discover what makes Sirius different.