Dementia careDecisions and money

At what point should someone with dementia go into care?

There is rarely one moment. Most families reach the decision gradually, as safety, health and exhaustion each add their own weight. This page sets out the signs worth watching for, why going into care does not have to mean a care home, who makes the decision if your relative cannot make it themselves, and what it costs to stay at home against a move.

By James Bowdler, founder of PrimeCarers  ·  Updated September 2026  ·  13 min read · See the signs to watch for

An adult daughter sitting close to her elderly father at his kitchen table, talking gently with him

Part of our guide to dementia care.

This page is part of PrimeCarers' guide to dementia care. It answers one question: when is it time for more help, and what "more help" should mean. It sits alongside the seven stages of dementia, which sets out how the illness tends to progress, and the cost of care for dementia, which goes into the money in more depth.

The signs to watch for

The signs it might be time for more help

Needs rarely jump suddenly. They build slowly, and a family is often the last to notice because they see their relative every day. Tick anything that has happened recently rather than anything you are worried might happen one day.

Has any of this been true recently?

0 of 9 ticked

Daily life and safety

Health

You, and the rest of the family

None of this points to one stage on the seven stages of dementia scale, and dementia does not move on a schedule. What matters is what is true for your relative this month, not the label attached to it. If you are trying to work out whether a change is the illness moving on or something else, read signs that dementia is getting worse before you decide anything, because a urine infection, dehydration or a new medicine can look exactly like a sudden decline and is often treatable.

What fits at each level

Why going into care does not have to mean a care home

A care home is often used as shorthand for needing more help, but it is one of two ways to meet the same level of need, not a separate and later stage. At each level below, staying at home and moving into a care home are both live options, and the cost is closer than most families expect.

Managing most of the day, help with a few things

Cooking, cleaning or money have become hard, but your relative is safe alone for a few hours and knows when to ask for help.

Staying at home

Companionship visits

A few hours a week: company, a walk, help with the post and the shopping.

£15 to £20 an hour

A care home

Not usually needed yet

A day centre or a dementia cafe can fill the gap without a move.

Needs prompting through the day, not safe alone for long

Washing, dressing and meals need reminding or doing for them. Left alone for a whole day, something usually goes wrong: a meal missed, a door left open, a tablet not taken.

Staying at home

Daily visits, same carer

An hour or more each day for personal care, meals and medication, built around a fixed routine.

£18 to £25 an hour

A care home

A residential care home

Staff on hand for the whole day, in a home used to dementia.

around £1,160 a week

Needs someone there day and night

Confused or distressed after dark, up in the night, or too unsteady to be left even for an hour. A family carer sleeping badly is often the first sign this level has arrived.

Staying at home

Live-in carer, dementia experience

One carer living in, there through the day and sleeping in the house at night.

from £1,260 a week, typically £1,340

A care home

A care home with dementia experience

Round-the-clock staff, and other residents at a similar stage.

£1,100 to £1,600 a week

Nursing needs alongside the dementia

Swallowing, mobility, pressure areas or wounds now need a nurse’s eye as well as a carer’s hands, or infections keep bringing on a hospital admission.

Staying at home

Live-in carer plus district nurses

The carer does the daily care; the GP, district nurses and, where it qualifies, NHS Continuing Healthcare bring in the clinical support.

carer from £1,260 a week

A care home

A nursing home

A registered nurse on site at all times, for the medical side of the care.

around £1,410 a week

Most families move down this table gradually over months or years, adding a little more help each time their relative's needs change, rather than landing in the right row on the first attempt. If your relative is already at the higher levels, care at home or a care home sets the two out side by side in more detail, and is live-in care cheaper than a care home? does the same for the money on its own. Some families choose a care home for company and structure even where the cost is similar; others choose to stay at home for the familiarity of the house and the chance of one consistent carer rather than a changing team. Both are reasonable, and the right answer depends on the house, the money, and what your relative wants.

Who decides

Who makes the decision, and what if your relative refuses

The care itself is only half the question. The other half is who gets to choose, and in England and Wales that has a clear legal answer.

If they can still decide for themselves

The choice is theirs in law, even if the family thinks it is the wrong one. Capacity is assessed decision by decision rather than once for good, so your relative can lack capacity to manage their finances and still have capacity to decide where they live. A conversation usually moves things further than an argument.

If they can no longer decide

A best interests decision is made under the Mental Capacity Act 2005, usually by whoever holds Lasting Power of Attorney for health and welfare. Without an LPA, the family may need to apply to the Court of Protection to be appointed deputy, which takes months, so it is worth setting an LPA up while your relative can still sign one.

If you are worried and they will not agree

Ring the council’s adult safeguarding team, or ask the GP. Nobody, including the family, can move someone with capacity into a care home against their will, but a social worker can assess the risk, involve a solicitor if there is a genuine question over capacity, and help you find a lawful way through it.

Mental capacity, the Mental Capacity Act and DoLS explained goes into how a capacity assessment works and what a Deprivation of Liberty Safeguards authorisation covers. Can an elderly person be forced into care in the UK? covers the legal position in more depth, and solicitors' fees for a deputyship application sets out what applying to the Court of Protection costs and how long it takes.

What it costs

What staying at home costs against a care home, over a week

At the higher levels of need, a live-in carer and a care home cost about the same. Both can be reduced by Attendance Allowance, council funding, or NHS Continuing Healthcare, whichever route you choose.

A week of care at the higher levels of need, September 2026
  1. Two home visits a day£252–£350
  2. Live-in dementia care£1,260–£1,340
  3. Residential care home£1,100–£1,600
  4. Nursing home£1,410–£1,410

Home visits and live-in dementia care are what carers on PrimeCarers charge, with our fee included. Care home and nursing home figures are UK averages; ask any home you visit for its own fees.

Attendance Allowance is not means-tested and helps pay towards either route. Local authority funding follows a care needs assessment and a means test, with the same capital limits, over £23,250 in savings and your relative pays in full, whatever the setting. NHS Continuing Healthcare is not means-tested either and, where the need has become health as much as daily living, can fund the whole package, including live-in care at home or a nursing home place. The different types of care funding explains how the three fit together, local authority funding covers the needs assessment and the means test in detail, and NHS Continuing Healthcare explains who qualifies and how to ask for an assessment.

How to start

How to decide, and how to start

Four steps, and the first two are free. Nothing here is permanent: hours at home can grow gradually, and a short stay in a care home can test the fit before anyone commits to a permanent move.

  1. 1

    Write down what has changed

    This week
    Use the checklist above, and note what has changed in the last month rather than since diagnosis. Take the list to the GP or memory clinic, because a sudden change is often something treatable rather than the dementia moving on.
  2. 2

    Ask for a care needs assessment

    Free
    From the council, whatever your relative’s savings. It sets out in writing what they need, and it is the first step toward funding either route. Ask for a carer’s assessment for yourself at the same time.
  3. 3

    Look at both routes properly

    A week or two
    Search carers near your relative and see their rates, reviews and dementia experience. If a care home is on the table too, visit two or three in person rather than choosing from a website. Neither decision should be made from a single visit or a single search.
  4. 4

    Choose, and know it can change

    Whenever you are ready
    Start with what fits today. Hours at home can go up gradually as needs grow, and a respite stay in a care home is a way to test it before a permanent move. Every carer on PrimeCarers has interviewed online, and their identity, right to work and enhanced DBS on the Update Service are checked before they appear, and they are insured while they work.

If what is needed right now is a short break for you, rather than a permanent move for your relative, when to consider respite care is worth reading before you decide anything bigger.

Questions

Questions families ask about this decision

There is no set stage. It is usually when the needs at home, personal care, safety, medication and nights, go beyond what visits or a live-in carer can safely cover, or when the family carer's own health has become the more urgent problem. What fits at each level of need sets out the two routes side by side at each point.

No. Round-the-clock care with a live-in carer and a waking-night carer can meet even the most advanced needs at home, and many families do exactly that through to the end. A care home is a choice some families make for company, structure or cost, not something dementia makes inevitable. The seven stages of dementia shows how care at home grows through the later stages.

No, not while they have the mental capacity to decide where they live, even if the family disagrees with their choice. If they cannot make that decision for themselves, a best interests decision is made under the Mental Capacity Act, usually by an attorney under a Lasting Power of Attorney or, if there is none, by the Court of Protection. Can an elderly person be forced into care in the UK? covers this in full.

The same three sources pay towards either one: Attendance Allowance, which is not means-tested; council funding after a needs assessment and a means test; and NHS Continuing Healthcare where the need is mainly health, which is not means-tested and can cover live-in care at home as well as a nursing home place. The different types of care funding explains how they fit together.

It is the upper capital limit for the council's means test in England. Above it, your relative pays in full for care, whether that is a care home place or a council-arranged package at home. Below £14,250 only income is counted, and between the two figures a contribution is worked out on a sliding scale. Local authority funding for care explains the full calculation.

It can be, particularly for a couple, where one live-in carer often costs a good deal less than two care home places. On its own, live-in dementia care and a residential care home cost about the same, from roughly £1,260 to £1,600 a week depending on the level of need. Is live-in care cheaper than a care home? has the full comparison.

A change over days rather than weeks is more often an infection, dehydration, constipation, pain or a new medicine than the dementia itself moving on, and most of those can be treated. Ring the GP the same day if your relative is suddenly much more confused. Signs that dementia is getting worse goes through what to check first.

If you need help at home

Start with our guide to dementia care

Support through every stage. What it costs, what a carer does day to day, and how to hire one directly.

Carers near you

See carers near your relative with dementia experience

Search vetted carers by postcode, see how many people with dementia they have cared for and at what stage, and message the ones you like. Free to search, free to interview, and no obligation to book.

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