As part of the care needs assessment, the council should also assess your finances to see if you’re eligible for help with costs. Even if they decide you’re not, they should still give you advice on where to get local help and support.
Instead of having support organised by your council, you can choose to get the money to buy these services yourself. The money goes straight into your bank account as a direct payment. You can spend this money to organise and pay for your own care and support as specified in your care plan. So you could hire a care worker or personal assistant, for example, or equipment to help you live more independently.
MoneyHelper has more information on how direct payments work.
Disabled Facilities Grant
If your home needs to be adapted to meet your needs, you may be able to get a Disabled Facilities Grant. This could help you pay for things like installing ramps, widening doorways, improving access to your garden or building a downstairs bedroom.
You can apply for the grant through your local council. The grant won’t affect your benefits. The council may send an occupational therapist round to see you to see what changes you need.
They then have 6 months to make their decision. It’s important not to start working on your home until you get the grant. If you do, you may not get any money at all.
You may need to apply separately for planning permission or building regulations approval. The council might ask you to use a qualified architect or surveyor to plan and oversee the work. If you get a grant, you can use it towards the cost of their fees.
Other financial support
You might be able to get other grants to help you live independently. The Disability Grants website can help you find a grant, or you can use the grants search tool on our website.
There are also benefits available to help with your extra costs. You might be surprised at what you can claim. For example, if you need help with everyday tasks or getting around, you might be able to claim Personal Independence Payment. It doesn’t matter how much you earn or have in savings. You could get between £26.90 and £172.75 a week (2023-24 rates). If you’re over State Pension age and need help with everyday tasks, you may be able to claim Attendance Allowance instead.
If someone spends at least 35 hours a week looking after you, they may be able to claim Carer’s Allowance. This could be a parent, relative or friend, or a child who’s 16 or older.
Read more about financial support if you’re disabled or have a health condition.