Guide to continuing healthcare (CHC) funding

Some people with dementia qualify for NHS continuing healthcare (CHC) funding to meet the costs of some of their care needs, but the application process isn’t always easy. Here, we explain the facts you need to know about CHC and advice from our dementia specialist Admiral Nurses.

What is NHS continuing healthcare?

NHS continuing healthcare (CHC) is a package of care that is fully paid for by the NHS. It is for adults with long-term, complex health needs.

Normal NHS healthcare – for example, from a GP, District Nurse or in hospital – is free, but CHC covers other costs, such as home carers or care home fees.

To find out more about CHC and its equivalents throughout the UK, visit:

Applying for CHC funding – the checklist

The first stage of applying for CHC involves a screening checklist, carried out by a health or social care professional, to determine whether the person qualifies for a full assessment of need.

The checklist is a brief assessment of the person’s needs in the following areas:

  • breathing
  • nutrition
  • continence
  • skin integrity
  • mobility
  • communication
  • psychological/emotional
  • cognition
  • behaviour
  • drug therapies and medication
  • altered states of consciousness

Each is given an A (severe), B (moderate) or C (low/no needs) rating. If the person’s needs are considered significant enough, they will progress to a full assessment of need.

Fast-track applications

If a person is thought to be approaching the end of their life, they may be eligible for a fast-track application. This is completed by a medical professional and bypasses the assessment process so CHC funding can be paid sooner.

Applying for CHC funding – the full assessment of need

If a person qualifies for a Full Assessment of Need, it will be led by a coordinating assessor. They should contact you soon after the checklist result to arrange the full assessment, which should be done in 28 days.

Ideally, the assessment should include all members of the person’s health and social care team.

The assessment panel will complete a Decision Support Tool (DST): a detailed record of the person’s needs in 12 separate areas, or ‘domains’. These are the same as in the checklist, plus ‘other significant care needs to be taken into consideration’ – ie needs that don’t fit into any of the other domains.

As an example, in the behaviour domain – in which a person with dementia might have significant needs – the assessors might consider:

  • Does the person display challenging verbal behaviours like shouting, swearing or screaming?
  • Are they physically aggressive or destructive?
  • Does their behaviour put them at risk of harm – for example, do they leave home alone when it’s unsafe, display inappropriate sexual behaviour, head-bang, try to eat raw meat etc?
  • Are there particular triggers for their challenging behaviour?
  • How is their behaviour currently managed – for example, can they be distracted, or do they need to be restrained or given sedative medication?
  • How frequently do carers need to intervene in their behaviour?

This is not an exhaustive list, and it’s important to understand that having a dementia diagnosis does not automatically mean the person qualifies for CHC funding – it depends on their individual health needs.

Tips for the CHC process
  • Consider using an advocate who has specialist knowledge of dementia and CHC applications (see Appointing an advocate, below)
  • Contact the coordinating assessor to confirm when the assessment is happening and what they require from you. If possible, it’s best to attend in person
  • Tell the assessor which professionals are involved in the person’s care so they can be consulted
  • Familiarise yourself with the DST forms and think of specific examples of the person’s needs in each area – you can download these from the website of the local NHS body responsible for CHC funding (see What is NHS continuing healthcare? above)
  • Gather as much evidence as possible about the person’s needs – you could keep notes, or even record short video clips of them. Ask family, friends and others involved in the person’s care for their views, too
  • Focus on describing the person’s needs on a bad day – not a good or average day, or the day of the assessment
  • Be specific – eg rather than saying, “They get very difficult if I try to take them out”, give examples: do they hit you, become tearful, shout and swear, or throw things?
  • Ask for clarification if there is anything you don’t understand
  • If something occurs to you afterwards that you think you should have mentioned, follow it up with the coordinating assessor
Appointing an advocate

An advocate is someone who can support you through the CHC assessment and make sure the person’s needs and rights are represented. Ideally, they should be a specialist in dementia care and have good knowledge of the CHC process.

An advocate could be:

  • an Admiral Nurse if there is one in your area, especially if they know the person applying for CHC
  • a family member or friend
  • an independent advocacy service
  • a non-practising solicitor – they can ensure the correct legal processes are followed, but may not have specialist knowledge of dementia

A paid carer cannot be an advocate.

What happens if the person qualifies for CHC?

Once the DST has been completed, a letter will be sent explaining whether the person you care for is eligible for CHC.

If they are, a specialist nurse should work with you to make a Support Plan to identify the person’s needs, the support they require, and who will provide it.

CHC funding can either be paid directly to the care service provider, or as a Personal Health Budget – where a designated person (such as a health or social care professional, a care organisation or a family member) manages the budget and decides how it is spent. This option gives you more control over how the funding is used.

What happens if the person does not qualify for CHC?

If the person’s CHC application is rejected, they may qualify for ‘joint funding’ instead, where the cost of their care is shared between the NHS, which provides healthcare funding, and the local authority, which provides social care funding. The social care element is means tested, so the person may need to contribute financially.

If the person isn’t granted CHC funding, you can ask the local NHS body to reconsider. This is called local resolution, and is usually only successful if there was an error in the assessment process – not just because you disagree with the outcome.

For this reason, it’s often better to start a new application. Often, the person’s needs will have changed since the first assessment, which may mean they now qualify for CHC funding. You don’t have to wait to restart the process – but it’s especially important to be supported by a dementia specialist advocate if the previous application was rejected.

CHC reviews

The local NHS body will review the person’s entitlement to CHC after three months, and then usually every 12 months. These reviews are standard practice and don’t mean that a person’s CHC funding will be taken away – in fact, if their needs have increased, they may be entitled to more funding.

Young onset dementia and rarer dementias

People with young onset dementia (dementia in someone aged 65 or under) or rarer dementias often find it harder to prove that they qualify for CHC.

Assessors may not understand how these conditions affect people, as they may present quite differently from more common types of dementia. For example, they may not display significant memory loss, but instead have problems with problem-solving, spatial awareness and hallucinations.

If a person with young onset dementia or a rarer dementia is being assessed for CHC, it’s strongly advised that you have an advocate who has specialist knowledge and experience of the condition.

Sources of support

Applying for CHC can be a stressful and emotionally draining process, so it’s important that you feel well supported. You could talk to a friend or family member, your GP, the person’s Social Worker, or someone from a carers’ support group.

Dementia specialist Admiral Nurses can also offer support and guidance. Click here to find out if there is a nurse in your area (for example, in a hospital or GP practice).

You can also speak to an Admiral Nurse on our Helpline: call 0800 888 6678 (Monday-Friday 9am-9pm, Saturday and Sunday 9am-5pm, every day except 25th December) or email helpline@dementiauk.org. If you prefer, you can book a phone or video appointment in our virtual clinic.

You might also find these leaflets helpful:

Learn more about applying for NHS continuing healthcare

Find advice on what NHS continuing healthcare (CHC) is, eligibility, how to apply for it and support for family carers.

Download our Continuing Healthcare funding leaflet

Read more about continuing healthcare in our leaflet including information about the application process and support that’s available

Download now

Guiding the way: a better continuing healthcare system for dementia

Our report outlines the challenges faced by families affected by dementia when applying for CHC in England and our recommendations on how this can be improved

Read more

How we can support you

Whether you have a question that needs an immediate answer or need emotional support when life feels overwhelming, these are the ways our dementia specialist Admiral Nurses can support you

Get support