Do You Qualify for NHS Continued Healthcare? How to Avoid Losing Your Home to Care Fees

Could you qualify for NHS Continued Healthcare and avoid care fees? Every year, thousands of elderly homeowners in the UK lose their homes to pay for care—often without knowing they may have been eligible for full NHS funding. If you or a loved one are facing long-term care, it’s essential to understand your rights and options before using savings or selling property.

Who Might Qualify for NHS Continued Healthcare?

NHS Continued Healthcare (CHC) is a fully funded care package provided by the NHS for people with ongoing and complex medical needs. If your care needs are primarily health-based, you could qualify for NHS Continued Healthcare—regardless of your income or assets.

Eligibility is assessed by a team of health and social care professionals who look at:

The nature and complexity of your condition
How intense or unpredictable your needs are
Whether your needs go beyond what local authority-funded care can provide

You can find full details about the assessment process on the official NHS website here.

What Happens If You Don’t Qualify for NHS Continued Healthcare?

Unfortunately, many people are assessed and found ineligible for NHS Continued Healthcare. But even if you don’t qualify, you still have legal options to protect your home and finances from care fees.

Some key estate planning tools include:

Tenants in Common – Changing the way you and your partner own your home can protect 50% of the property from being used to pay for care.
Lasting Powers of Attorney (LPAs) – These allow trusted individuals to make decisions on your behalf, ensuring your assets are protected and used wisely.
Protective Property Trusts – In some cases, placing your share of a property into a trust can help shield it from future care costs.

Free Estate Planning Help Available

If you’re not sure whether you qualify for NHS Continued Healthcare—or you’ve been assessed and turned down—it’s vital to speak to someone before making any financial decisions. Many homeowners are unaware that free estate planning consultations are available to help them explore what protections are still possible.

These consultations are not sales calls—they’re offered to give you peace of mind and help you plan ahead, especially if you’re concerned about losing your home to care fees.

Act now—don’t wait until it’s too late. Whether or not you qualify for NHS Continued Healthcare, understanding your options could protect your estate and your family’s future.