What self-funding means
If you are not eligible for local authority or NHS funding — or you choose not to apply for it — you can arrange and pay for care privately. Many people self-fund some or all of their care.
How charges work
A reputable provider will give you a clear written quote before care starts, setting out what is included, how visits are costed and how any changes are agreed with you.
You can still ask for an assessment
Even if you expect to self-fund, you can still ask your local council for a needs assessment. This can help you understand what support might be available, now or in the future, and some councils offer brokerage or advice to self-funders.
Reviewing your arrangements
Care needs and finances can change. It's worth reviewing your care arrangements periodically, and getting independent financial advice if you are planning for the longer term.
Getting independent advice
Organisations such as Age UK and Citizens Advice offer free, independent guidance on paying for care, and some financial advisers specialise in later-life care planning.
Common questions
Can I switch from self-funding to local authority funding later?
Yes. You can ask your local council for a needs assessment at any time, including if your circumstances change.
Will Care Angels help me understand costs?
Yes — we explain our charges clearly in writing before any care begins, so there are no surprises.
Official sources & further reading
Related topics
Local authority needs assessments
How a council needs assessment works, and who can ask for one.
Financial assessments (means-testing)
How councils work out what you may need to contribute towards your care.
Questions to ask about funding
Helpful questions to ask your council, the NHS or a care provider about paying for care.