Making decisions about care can be one of the most emotional and complex times for families. Alongside choosing the right home, understanding how to pay for care is often a major concern. In West Sussex, there are different types of financial support available, but knowing where to start is not always straightforward.
At Derwent Lodge Care Home, we regularly support families who are navigating this journey, so this guide has been created to give you a clearer picture of what help is available and how to access it.
The Cost of Care in West Sussex
Care home fees in West Sussex vary depending on the type of care, the location of the home, and the facilities on offer.
- Residential care (without nursing) is usually the most affordable option.
- Nursing care, which includes qualified medical support, comes at a higher cost.
- Specialist care, such as dementia support, is often more expensive due to the additional expertise and resources required.
Other factors that influence costs include the quality of accommodation, activities and therapies offered, and whether the home provides additional healthcare services. Every care home sets its own fee structure, so it’s important to ask for a full breakdown of costs.
If you are unsure of what to expect, West Sussex County Council’s Adult Social Care team or an independent financial adviser who specialises in care funding can help you understand likely costs for your circumstances.
Funding Options Available
Many families are entitled to financial support, but eligibility depends on care needs, income, and savings. Here are the main options in West Sussex:
1. Local Authority Support
If your assets are under £23,250 in England, you may be able to receive financial assistance from West Sussex County Council. To access this, you’ll first need a care needs assessment, followed by a financial assessment. Depending on the outcome, the council may contribute to your care home fees.
Even if you are above the threshold, you can still receive guidance and support while self-funding.
2. NHS Continuing Healthcare (CHC)
For individuals with complex and ongoing medical needs, the NHS may cover the full cost of care through Continuing Healthcare funding. This is based on medical needs rather than financial circumstances and requires an assessment by healthcare professionals.
3. Attendance Allowance or Personal Independence Payment (PIP)
These benefits are designed to support people with care needs caused by illness or disability:
- Attendance Allowance is available to those over 65.
- PIP applies if you are under 65.
They are not means-tested and can be claimed whether you live independently or in a care home, depending on your situation.
4. Deferred Payment Agreements
If your home is included in your financial assessment, you don’t necessarily need to sell it straight away. West Sussex County Council offers Deferred Payment Agreements, allowing care fees to be paid later, usually from the sale of your property.
5. Support for Self-Funders
If you are funding care yourself, you can still access advice and guidance from the local authority, particularly as your savings reduce and approach the £23,250 threshold. Planning ahead with a regulated financial adviser can help ensure your money lasts longer and is managed effectively.
How to Apply for Care Home Funding
Applying for support may feel daunting, but following the process step by step makes it easier.
Step 1: Care Needs Assessment
Contact West Sussex County Council’s Adult Social Care team to request a free assessment. This identifies the type and level of care required.
Step 2: Financial Assessment
If residential care is recommended, a financial assessment (means test) will follow. You will need to provide documents such as bank statements, property details, pension information, and savings records.
These assessments establish how much you contribute and whether the council or NHS can help with costs.
Local Support in West Sussex
In addition to council services, several organisations provide guidance and advocacy:
- Age UK West Sussex, Brighton & Hove – advice on benefits and financial planning.
- Carers Support West Sussex – information for unpaid carers, including respite and funding guidance.
- Independent Age – resources and helplines covering care rights and funding.
These organisations can also help if you would like support during assessments or decisions.
Key Points to Remember
- Care home fees vary, so always ask for a full breakdown before making decisions.
- Funding may come from the local authority, NHS, or through benefits, depending on your needs and circumstances.
- Deferred Payment Agreements can help if your home is part of your assets.
- Trusted local organisations and financial advisers can make the process clearer and less stressful.
Support from Derwent Lodge Care Home
At Derwent Lodge Care Home, we understand that families need both compassionate care and practical financial guidance. Our team is here to talk through your options, explain how funding works in West Sussex, and support you in finding the right way forward.
If you would like to learn more about our care and how we can help you or a loved one, please get in touch with our friendly team.
