Money

Money can be tight if you’re paying for care or unable to work because of a disability. This section is here to help you claim what you’re entitled to and take advantage of discounts and offers designed for people in you position. We’ve also got information on different ways to fund the cost of your care.

Worried about money?

Money can be tight if you’re paying for care or unable to work because of a disability. This section is here to help you claim what you’re entitled to and take advantage of discounts and offers designed for people in you position. We’ve also got information on different ways to fund the cost of your care.

Paying for care

Paying for care is a big worry for a lot of us. The first step is to make sure you’re not paying any more than you should. The next step is to look at your options for funding care, then get financial advice. These pages take you through this process:

How much will care cost me?

Looks at how much your care might cost, and in what situations another organisation might be responsible for paying for it.

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NHS Continuing Care

An overview of the NHS scheme that pays for your care when you have a “primary health need”.

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The social care financial assessment

Looks at how the council works out who pays for your social care.

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Strategies for funding care

If you are paying for your own care, this page looks at different funding options, including equity release and downsizing.

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Getting financial advice

If you’re making an important financial decision about funding your care, you need a financial adviser. This page looks at where to turn.

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Financial support

Make sure you’re getting what you’re entitled to with our guides below:

Disability benefits

Looks at the support you can get if you struggle to do things such as walking, dressing, or socialising because of a long-term disability.

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Income based benefits

Looks at benefits you can claim if you are out of work because of a disability or caring responsibilities, or if your pension income is too low.

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The benefit cap

A quick look at whether the benefit cap affects you, and if so, what to do.

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Claiming benefits in advance

This page explains how to claim benefits in advance if you urgently need money now.

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Can someone claim benefits on my behalf?

If you struggle to collect benefits yourself, this page looks at how you can arrange someone to do it in your name.

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Completing benefit forms

Looks at which organisations can help you complete benefits forms and get the benefits you’re entitled to.

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What about Universal Credit?

This page looks at whether Universal Credit will affect you and what you need to do.

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Discounts

You might be surprised at the range of discounts and concessions you could be entitled to – from travel discounts to help with meeting the cost of new glasses or prescriptions. These pages give a comprehensive overview of national schemes. For local schemes, use our local support search tool.

Grants and short term loans

A guide to finding grants and getting short-term loans from the council to cover the cost of essential items.

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Health discounts and benefits

Looks at whether you might be eligible for money towards glasses, prescriptions, travel to and from hospital, or hearing aids.

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Travel discounts and benefits

An overview of what bus passes or rail cards you might be able to access.

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Heating discounts and benefits

Explains different government schemes for helping you pay your heating bills.

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Other support, discounts and benefits

Includes TV license discounts, cheap phone calls and VAT exemption from certain kinds of equipment.

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