Like most people you would probably prefer to receive care services at home when you get older. However, sometimes you may need to consider going into sheltered accommodation or a residential care home instead, but how do you decide which care service is the right option for you?

The key decision to make when considering your care needs is whether you can remain in your own home/sheltered accommodation or need (or would prefer) to move into a residential care or nursing home.  This decision will be based on not only your personal circumstances and what services you need, but also the financial implications.

For advice on deciding between home care and a care home and the financial implications go to MoneyHelper at the following links


If you are retired or close to retirement (over 55) and own your own home by using an Equity Release Scheme you can release money tied up in your house to pay for long term care - more information on Equity release Schemes can be found at MyAdviceGateway Equity Release Schemes.


A  complete guide to all your housing options is available from and from

AgeUK have also produced a downloadable guide to Housing Options available at this link.

Alternatively a series of downloadable guides to housing options in later life are available from


Summarised below are the care options available. For more information click on the links provided.

Staying at Home

There is much that can be done to enable you to live independently in your own home.

For more information go to our section on Staying at Home


Care at home is support provided in the home by care workers to assist you with your daily life. You may only require a small amount of support - from half an hour a week, to several hours a day, or even live-in care. The service may be on a temporary, intermittent or long term basis.

For more information go to our section on Care at Home.                                  

Specialist Housing

There are a wide range of purpose designed Sheltered Housing available for older people and where help or care can be called on when needed.

For more information on Specialist Housing go to our page on Sheltered Housing.                  

Residential and Nursing Care

You may just need residential care to help you with activities of daily living like washing, dressing, feeding, taking you to the toilet, helping you move around, or you may need to consider looking at nursing care homes or specialist mental-health care     

For more information on Residential Care go to our section on Residential Care homes.   

Summary of Care Options

A summary of long-term-care options is available at this link

A comprehensive guide to care, including advice & help, support for carers and paying for care, can be found at AdviserBook.                  

Care Funding Advice

SAGA have produced a Care Funding Advice Guide that helps you to understand your care funding options and is available at this link.

Further information is available at this link.

Care homes and Domiciliary care services

To locate Care homes and Domiciliary care services near to you follow this link.

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