Continuing Healthcare Funding and State Pension Explained

Hannah Morris
Care Home Fees Associate Lawyer

For many of us, the prospect of long-term healthcare can be daunting, especially when it comes to the costs. NHS Continuing Healthcare Funding (CHC Funding) is one way a person’s care needs can be paid for, particularly those with complex health needs.

If an individual is eligible for NHS Continuing Healthcare Funding, the NHS will meet the full cost of their care. For many elderly people, the state pension is crucial element of retirement income and this begs the question whether you are still entitled to receive a state pension after the NHS takes over funding your care.

If you are unsure about NHS Continuing Healthcare Funding, get in touch with our Care Home Fees Solicitors for a no obligation discussion.

Call us on 0808 239 6218 or request a callback

How Will My State Pension be Affected?

Your state pension entitlement may be affected by your receipt of NHS Continuing Healthcare Funding, depending on your living circumstances; for example:

Living at Home

If you receive NHS Continuing Healthcare and you live in your home, your state pension and any other benefits you receive should not be affected. You can still claim some disability benefits, such as Disability Living Allowance (DLA), Personal Independence Payment (PIP) or Attendance Allowance (AA).

You might be receiving payments from the Independent Living Fund, in which case these will stop after seven days.

Living in a Care Home or Hospital

State Pensions are not affected by this, but 28 days after the CCG begins to fund your care, you will lose Attendance Allowance or Disability Living Allowance.

It’s important to note that in both cases, the Disability Benefits Centre must be notified.

Am I Eligible for NHS Continuous Healthcare Funding?

If you’re over 18, then you’re eligible for NHS Continuous Funding, and can be available for under 18’s using slightly different criteria. Once a detailed assessment of your needs has been carried out by your local CCG, the process can begin.

The NHS Continuing Healthcare assessment process involves a detailed appraisal by a multidisciplinary team, who will look at your day to day needs, and will consider:

  • What help you need?
  • How complex your needs are?
  • How intense your needs are?
  • How unpredictable they are including risks to health if the right care is not given

The criteria for approval for NHS Continuing Healthcare is set very high. The process can be difficult and time-consuming, and you should get advice from an experienced Care Home Fees Solicitor.   

Our Care Homes Solicitors can provide expert legal advice in all matters concerning NHS Continuing Healthcare Funding.

We’re experts in our field and can advise you about decisions and represent them at Continuing Healthcare assessments. We can act on your behalf if you choose to appeal against a CHC Funding decision, and our strong track record of recovering fees for our clients – over £12 million since 2013, proves our ability to help you.

For a discussion with no obligation call our Care Home Solicitors

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