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Funding Options

We understand that if you are unfamiliar with the care system the options available for meeting the cost of care can seem daunting! We have tried to set out an explanation of the main funding options below, however we are always happy to discuss these further and point you in the direction of more in depth advice should you need it.

At ENS we support people who pay the full cost of their own care as well as those in receipt of social care and continuing healthcare funding in various forms.

In England, if you have assets in excess of £23,250 the local authority consider that you are able to pay for your own care. These assets include most savings and investments, however if you opt for care at home the value of your property is not included.

It is also important to ensure you are aware of any benefits you may be entitled to, such as pension credits, attendance allowance, Personal Independence Payments, Carer's Allowance, council tax reduction and heating benefits. To read more check


You may be eligible for funding via your local authority (e.g. Southend Borough Council, Essex County Council) to meet your social care needs. These could be support with personal care, mobility issues or support to maintain your independence at home.

Social care funding is means tested and a financial assessment carried out by the local authority will determine if you qualify for full funding or have to contribute to the cost of your care.
If you qualify for funding it can be referred to as a "personal budget" and there are several options for how this budget is managed. The local authority:

  • Manage the budget for you and will arrange your care.
  • Pay some or all of the budget directly to a care provider (e.g. ENS).
  • Pay money directly to you or someone you choose. This is called a direct payment, and you are then responsible for finding and paying for your own care.

At ENS we support individuals who are fully funded by the local authority and are on the lists of approved providers in each area. We can also support those who wish to utilise direct payments.


This funding is potentially available if your care needs arise from a "primary health need". It is a package of care at home which is funded by the NHS for those assessed as eligible due to an ongoing health condition, complex care needs or end of life care.

You can request a continuing healthcare assessment by contacting your local clinical commissioning group (CCG) directly or via your GP. A full assessment will be undertaken to include any health professionals involved in your care. If approved the CCG will help you arrange a care package that meets your needs or if appropriate you may be offered a personal health budget to arrange and pay for your support yourself.

We work closely with continuing healthcare teams at CCG's across Essex and London and support children, adults and their families requiring complex clinical care and end of life care.

If you have any question regarding funding please contact the Care & Support team on 01702 361405 or email [email protected]


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