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Loading the calculator…Long-term care funding in the UK is means-tested — but the rules differ by nation, and several of the most valuable routes are not means-tested at all. This free checker applies the current capital limits, tariff income and personal-expenses rules for England, Scotland, Wales and Northern Ireland to work out whether someone is a self-funder, in the tariff band, or supported by the local authority (the HSC trust in Northern Ireland).
It then surfaces the entitlements that are often missed: NHS Continuing Healthcare (fully funded and not means-tested), NHS-funded nursing care / the HSC trust payment towards nursing care in Northern Ireland, Scotland’s free personal and nursing care, Attendance Allowance / Pension Age Disability Payment, and s.117 aftercare — with a caution where assets have recently been given away. Every figure cites its source instrument and the result is available as a PDF.
It is a deterministic position-finder, not financial or care advice, and does not constitute a recommendation. Where advice is needed, refer to a SOLLA-accredited later-life adviser. Built by ParaplanAI for advisers and paraplanners.
New to the rules? Read the guide to paying for care — the means test, the capital limits by nation, and the routes that are not means-tested.
Yes — it is free and needs no sign-up. Enter the situation and it states the funding position under that UK nation’s care-charging rules, plus the non-means-tested NHS and statutory routes, and produces a PDF you can keep.
England, Scotland, Wales and Northern Ireland — each has materially different capital limits, tariff income, free personal/nursing care and NHS-funded nursing contributions, and the checker applies the right rules per nation.
No. It is a position-finder, not advice — facts and signposts only. It flags the routes that are often missed (NHS continuing healthcare, funded nursing care, Attendance Allowance, s.117 aftercare) so they can be checked. For advice, speak to a SOLLA-accredited later-life adviser.