Understanding Care

A plain-English guide to how social care works in England — what it is, who provides it, and how to access it.A plain-English guide to how social care works in England — what it is, who provides it, and how to access it.A plain-English guide to how social care works in England — what it is, who provides it, and how to access it.

Navigating the care system can feel overwhelming, especially if you are dealing with it for the first time. This page explains the basics of how social care works in England — cutting through the jargon so you can feel more confident about the steps ahead.

What is social care? — Select a topic

Select a topic below to find out what social care involves and how it works.

  • What is Social Care?

    Social care refers to a wide range of support services that help people live their daily lives. It is different from healthcare (such as seeing a doctor or staying in hospital) — social care focuses on practical, personal and social support.

    It can include help with washing and dressing, preparing meals, getting out of the house, managing medication, and much more. Social care can be provided at home, in a day centre, or in a residential or nursing home.

  • Who is Social Care For?

    Social care is for adults and children who need support due to age, disability, illness, or other circumstances. You do not have to be elderly to need social care — it is available to anyone whose ability to manage day-to-day life is affected.

    Common groups who use social care include:

    • Older people who need help at home or in a care home
    • Adults with physical disabilities or long-term health conditions
    • Adults with learning disabilities or autism
    • People with mental health conditions
    • Children with disabilities or complex needs
    • Family carers who need support in their caring rol
  • Who Provides Social Care?

    Social care is provided by a mix of organisations:

    • Your local council — arranges and sometimes funds care following an assessment
    • Private care companies — home care agencies, care homes, and nursing homes
    • Charities and voluntary organisations — such as Age UK, carers' centres, and community groups
    • The NHS — where care needs are primarily health-related (known as NHS Continuing Healthcare)
    • Family and friends — informal carers provide the majority of care in the UK

    All care services in England must be registered with and inspected by the Care Quality Commission (CQC).

  • What is the Difference between Social Care and NHS Care

    NHS care is free at the point of use and covers medical treatment — GP appointments, hospital stays, surgery, district nursing visits, and so on.

    Social care is means-tested and helps with personal and practical support. If you need help getting dressed but are otherwise well, that is social care — not NHS care.

    The boundary between the two can sometimes be blurry. If your care needs are primarily driven by a health condition, you may be eligible for NHS Continuing Healthcare (CHC) — a package of care fully funded by the NHS. Ask your GP or hospital team about this if you think it may apply.

How to access care — Select a topic

Find out how to get a care needs assessment and what happens next.

  • How do I get a Care Needs Assesment and What Happens Next?

    The first step is to contact your local council's adult social care team and ask for a care needs assessment. You have a legal right to one under the Care Act 2014, regardless of your financial situation or how complex your needs are.

    The assessment looks at what you can and cannot do, and what support would help you live your daily life. It considers your physical, mental, emotional and social needs.

    In the North East, you can contact your local council directly. Newcastle, Gateshead, Sunderland, Durham, Northumberland, South Tyneside, North Tyneside and Middlesbrough all have adult social care teams. See our Local Contacts page for direct numbers.

  • What Happens after the Care Needs Assesment?

    After your needs assessment, the council will decide whether your needs meet the eligibility threshold. If they do, a financial assessment (means test) will follow to determine how much — if anything — you will need to contribute to the cost of your care.

    If you are eligible for council-funded care, a care and support plan will be drawn up with you, setting out what support you will receive and how it will be provided. You will also be given a personal budget — the amount the council will spend on your care — and can choose how that is managed.

  • What if I dont get Local Council Funded Care?

    If your needs do not meet the council's eligibility threshold, or if your savings and assets are above the means-test threshold (currently £23,250), you will be expected to arrange and fund your own care — known as being a self-funder.

     

    Even if you do not qualify for funded care, the council must still give you information and advice about what care is available locally. You also retain the right to ask the council to arrange care on your behalf, even if you pay for it yourself.

     

    Tip: If you are self-funding, it is still worth contacting your local council — they can provide a list of regulated local providers and may be able to arrange care at a lower negotiated rate than you could access independently.

  • Can I arrange Private Care without going through the Local Council?

    Yes. You can contact care providers directly and arrange care without going through the council at any time. This is common for people who are self-funding or who need care quickly.

    If you arrange care privately, make sure you choose a provider that is registered with and rated by the CQC. You can search for CQC-rated providers in your area at cqc.org.uk.

    Our Finding Care Providers page lists regulated services across the North East to help you get started.

Paying for Care - Select a Topic

Understand the financial side of care — means testing, costs and what help is available.

  • How does the Financial Assesment (Means Test) Work?

    The financial assessment looks at your savings, income and assets to work out how much you can afford to contribute. The current thresholds in England are:

    • Above £23,250 — you pay the full cost of your care
    • Between £14,250 and £23,250 — you pay a contribution based on a sliding scale
    • Below £14,250 — your savings are not counted; you may receive fully or largely funded care

    Your home is usually not counted in the means test if a spouse, partner, or dependent relative still lives there.

  • What Benefits might help with Care Costs

    Several benefits can help cover the cost of care, whether or not you qualify for council funding:

    • Attendance Allowance — for people aged 65 or over who need help with personal care. Not means-tested.
    • Personal Independence Payment (PIP) — for people under 65 with a disability or long-term health condition. Not means-tested.
    • Carer's Allowance — for people who provide at least 35 hours of unpaid care per week.
    • Pension Credit — for people over State Pension age on a low income. Can top up other benefits.
    Many people who are entitled to these benefits never claim them. Age UK and Citizens Advice can help you check what you are entitled to — free of charge.
  • What is a Deferred Payment Agreement?

    If you move into a care home and your only significant asset is your home, you may be able to arrange a Deferred Payment Agreement (DPA) with your local council. This means the council pays your care costs and is repaid — with interest — when your home is eventually sold.

    A DPA prevents you from having to sell your home urgently to pay for care. You have the right to request one from your local council if you meet the eligibility criteria.

Not Sure Where to Start?

Our Local Contacts page has direct numbers for every council social care team across the North East.