How To Get The NHS To Pay For Care (PDF/ebook)

How To Get The NHS To Pay For Care (PDF/ebook)


Please note: this product is a digital download only

How To Get The NHS To Pay For Care

...and how to fight back when assessors incorrectly seek to deny your relative the funding they may be entitled to in law.

Coping with everything when a relative needs care can feel bewildering. Add to that having to figure out who pays for that care and how to access funding, and it's not surprising that stress levels rise even further. This book shows you how to prepare for an NHS Continuing Healthcare assessment, how to argue your case for funding, what to say and do in assessment meetings - and, crucially, what NOT to say and do. It's loaded with great tips about what happens IN PRACTICE - not just in theory - and how to fight back against NHS and local authority tactics that may wrongly prevent your relative accessing NHS funding to cover care fees.      .                    .                  .                    .                                       .                  .                    .                        .                    .           "This guide is a model of clarity compared to the ‘official’ publications, and a great blueprint to help in a potential battle for funding." Michael Duncan .                     .                    .                  .                    .                  .                    .                  .                    .
  • Already paying care fees but not assessed for NHS funding?
  • Been told to pay for care because you have savings or a house?
  • Waiting for a Continuing Healthcare assessment - but not sure what to do or how to get through it?
.                     .                    .                  .                    .                  .                    .                  .                    .

Features include

    • Contains interactive features
    • Use the search facility to find key areas of interest quickly
    • Or simply click on the sub-headings in Contents to take you directly to the pages you want to view
    • The e-book version also contains interactive links to other helpful articles and relevant documents, such as the NHS National Framework, Checklist and Decision Support Tool.

NHS Continuing Healthcare funding covers 100% of care fees for people who need full time care primarily for health reasons. However, many families are not told about this, and there have been thousands of complaints about the way the NHS illegally denies access to this funding.

You can find yourself seriously misled about how care fees work, which is frustrating and distressing. This 147-page easy-to-read guide, How To Get The NHS To Pay For Care, will help you.

CTBD have coal-face experience plus many years’ research. CTBD has helped hundreds of families successfully through the NHS Continuing Healthcare process. With this guide we give you tips, advice and insights about Continuing Healthcare at every stage.

The guide covers the Continuing Healthcare system in England. It’s easy to follow and covers not only the nuts and bolts of NHS funding, but also how care funding works in practice and what you need to do – right now. It helps you prepare for assessments, feel more confident and argue your case.

“I cannot thank you enough. I downloaded the e-guide and made a note of all the wording I should include on the assessment document. I heard today that my aunt has been awarded NHS Continuing Healthcare funding, and I am delighted.” Ann Friston

With this guide you’ll learn:

  • Why the NHS may have a legal duty to pay for your relative’s care
  • What to do – and not do – when your relative needs full-time care
  • How Continuing Healthcare works – and how to get an assessment
  • How to check if your relative has already been assessed for Continuing Healthcare?
  • Why paying for care does not depend on your savings/property
  • Why the questions you’re asked about money could be illegal
  • Whether you really have to sell your home to pay for care
  • When and where you can receive Continuing Healthcare
  • How hidden agendas in health and social care influence funding decisions
  • Why your role is vital in an assessment
  • How the assessment is ‘scored’ – and pitfalls to look out for
  • The crucial difference between health needs and social care needs – and why it matters
  • The Coughlan and Grogan cases – how they clarify the law about NHS funding
  • How Continuing Healthcare assessors ignore the law
  • The 10 biggest myths about care fees
  • Vital tips about care fees if:
    • your relative is in hospital and needs full time care
    • your relative is at home and needs full time care
    • Social Services start talking about care fees
    • you know NHS funding is available – but you don’t know what
    • you start looking for a care home
    • your relative is already paying care fees
  • How to prepare for an assessment – to give yourself the best chance
  • What to do and say before, during and after an assessment
  • Vital facts and information you’ll need to gather
  • How the assessment ‘tools’ work: Fast Track, Checklist and Decision Support Tool
  • Where the National Framework and the ‘primary health need’ fit in all this
  • Why keeping a detailed diary will save you hours of work
  • Who should be involved in an assessment – and what information is included
  • What to expect at the actual assessment meeting – what’s right and what’s not
  • Underhand assessor tactics – and how to fight your corner
  • Why the local authority should play a leading role
  • Why you can’t always count on support from a care home
  • How to know when assessors are telling untruths
  • Powerful tips on increasing your ‘score’ in an assessment
  • How to respond when you’re given false information
  • How Funded Nursing Care (FNC) fits in all this
  • What to do first if you need to appeal a Continuing Healthcare decision
  • What to do if your relative runs out of money

…plus, lots more.

Simply scroll back up and click the green ‘Add to shopping bag’ button.



EBOOK: This guide is available as a digital downloadable ebook only. (No physical book will be posted.) After you’ve purchased the book, you’ll receive an email with the download link you need. (Please check your spam/junk email folder if you can’t find this.) Once you’ve downloaded the book, it will be in the ‘Downloads’ folder on your computer. You can then save it to the most convenient place on your computer.

If you don’t receive the download link within an hour, please check your spam/junk email folders.

CARD PAYMENTS: You can pay by credit/debit card or via a Paypal account. If you don’t have a Paypal account, simply go through the Checkout process (click ‘Proceed to checkout’), then click ‘Proceed to Paypal’ and then ‘Check out as a guest’ or ‘Pay by debit or credit card’. You can then enter your card details.

MOBILE DEVICES: If you are ordering online using your phone or tablet, bear in mind that you may need to download the ebook onto that particular device.


  1. P.B.

    We are going through trauma with hospital care or uncare causing elderly relative’s decline nothing has been transparent and social worker keeps banging on about money! He scored 4 B in a section 5 report what ever that is but when I downloaed the blanksheets i made it 2 AA’s and 7 B’s… even so I may have overestimated the Patient flow officer — who did the report has deliberaly underscored him, me and my sister are worn out with traveling visiting and seeing her partner like this ,and to lose savings meant for house repairs is just appalling

  2. Jean (verified owner)

    In November 2015, we were faced with the prospect of my mother-in-law being forced to move from the residential home where she had lived for three years. She had dementia, and we were told that staff could no longer cope with her challenging behaviour and she would need to move to a nursing home. She had been self funding, having had to sell her modest terraced house to fund her care.
    By chance, we found Care to be Different on the internet, and bought your e book about funding care. It was invaluable in helping us secure NHS continuing care funding for her. It took months of hard work, but without the guidance in the book, we would not have stood a chance of being successful.
    Mum- in- law has recently died, and it is only now we feel able to talk about it. We have always been scared of the funding being withdrawn, and did not want to tempt fate by drawing attention to her “good fortune”. In fact, it was what she was properly entitled to, but so many people are denied this.

  3. Anne Dixon

    The information and advice provided by Care to be Different website and the ebook have given me the confidence to challenge the assessors at every stage. I’ve heard so many people say ‘ my mother/father was assessed but they said they weren’t eligible’. Once you’ve read the book you know the truth and it gives you the confidence to fight on. Not there yet but feel fully prepared. Such a small amount to invest but a huge gain when the correct decision us reached and the correct funding is put into place.

  4. mrs P Harden. (verified owner)

    This book is so helpful. When I asked the assessors ‘What about NHS Continuing Healthcare for my mother-in-law?’ they said they would Fast Track her. They went very quiet and you could see they realised I knew about all this. My mother-in-law got the funding for the last 9 months of her life. The book will also be very useful for my daughter. Keep up the good work.

  5. Baz Hartnell (verified owner)

    I discovered that the whole area of Continuing Healthcare funding is such a complex area and there is so little advocacy and misinformation surrounding it. Consequently, this guide is an essential tool to anyone looking to support a relative moving into the care system by providing an easy to understand roadmap. I unreservedly recommend it to anyone who needs to support relatives or friends and who needs to quickly gain a good understanding of what is possible regarding health funding.

  6. Vicki

    This guide was absolutely invaluable to me in seeking NHS Continuing Care funding for my dad 18 months ago. We were successful, although sadly he died shortly after, but the award was backdated which help in paying his care fees. I am now re-reading the guide as I’m seeking funding for my mum whose care needs have recently increased considerably following a stroke 43 years ago. Thanks again Angela.

  7. Sarah Robinson

    I found this guide utterly invaluable in interacting with the CHC. It is absolutely astonishing unfamiliar the healthcare professionals are with the framework/legalities of Continuing Healthcare – including GPs and nursing home staff. Knowing the accurate legalities gave me the confidence to navigate brickwall after brickwall. Highly, highly recommended.

  8. Carole, Sussex

    My mother has now got through the Checklist with 5 Bs, so we are onto the next stage. It is true what you say in your guide about letting the assessors know you are informed – I told them I had done my research and been on the NHS website, and I even produced the same Checklist as the assessor had. It really was quite straightforward. I had prepared myself for continually pointing out it was ‘health’ needs and not ‘social’ needs, but I didn’t need to. I’ll keep you informed, and once again many thanks for all your support and information – couldn’t have done it without that.

  9. John, Southend on Sea

    Thank you for your continued support in my mission to see my friend receive the Continuing Care assessment I have been pursuing for many months. At last I can report some good news. Following a decision making meeting this morning, I am informed that from today the NHS will now fund her care. Hopefully our case goes to show that it pays to persevere. My mission to get a Continuing Care assessment has taken a great deal of complaining, letter writing and research on the internet. For me it has been a real eye opener and engaged me in a time consuming yet learning experience. For my friend, it means she is at last being treated with the dignity and respect she deserves. Thank you for your support, without which I doubt if I would have had the confidence to get this far.

  10. Jeremy, Berkshire

    I have been pleased to purchase online your most helpful guide ‘How To Get The NHS To Pay For Care’. My mother has been in a nursing home since February 2010, but has never been assessed for NHS Continuing Healthcare. She is ‘self-funded’ and over the last 25 months more than £100,000 has been paid in care fees.

    I have not known which way to turn for help, and the only information I had was that she would have to pay until her capital reduced. I have sought advice from various agencies, but none has given any hope of help with funding. The situation is distressing enough without having to deal with the anger and frustration that all her capital is going.

    Anyway, the point of this message is just to say thank you! At last I feel that someone understands and has given practical, straightforward advice. I have studied closely what you have written, and I feel my mother is indeed eligible for funding. It it would be wonderful for me to be able to enjoy the little time there is left with her, released from the worry that money will run out. I have a meeting with the care home manager next week. Thank you for offering real hope at this stage.

    Jeremy has now successfully won Continuing Care funding.

  11. Jim Blainey

    Once again, I have to say that your information has proved most helpful all along the line.

  12. Janet Spooner

    We had so little time to put together our appeal for NHS funding, but the information you sent us meant we arrived at the meeting well-prepared and ready to put our case. Thank you so much. I know we couldn’t have won without your help.

  13. Paul McFarlane

    The books have proved to be invaluable – and your advice most helpful. I used it as a basis for further discussion with social services, and it resulted in a positive response.

  14. Rosemary Henderson

    This book is going to be a useful tool, and I feel empowered reading it. What you’ve done is so helpful. I was feeling ‘over my head’ but now I’m going to go for it.

  15. Ian Johnson

    We have heard today that my mother-in-law is to receive NHS Continuing Care funding. We could not have done it without your book and website. Thank you so much.

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