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 short answer
- There is no single momentMost families reach the decision through a build-up of smaller things: a fall, weight loss, a family carer who has stopped sleeping. Watch for the signs rather than waiting for one big one.
- Going into care does not have to mean a care homeAt every level of need there is a way to stay at home too. The section below sets out what each one costs.
- If your relative can still decide, the choice is theirsNobody, including the family, can insist on a move while your relative has the mental capacity to decide where they live. If they cannot decide, a best interests process decides for them.
- Home and a care home cost about the same at the higher levelsLive-in dementia care runs from £1,260 a week, close to a residential care home at £1,100 to £1,600. Money should not be the only reason either way.
Prices are what carers on PrimeCarers charge, with our fee included, September 2026. Care home figures are UK averages; ask any home you visit for its own fees.
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
If they can no longer decide
If you are worried and they will not agree
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.
- Two home visits a day£252–£350
- Live-in dementia care£1,260–£1,340
- Residential care home£1,100–£1,600
- 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
Write down what has changed
This weekUse 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
Ask for a care needs assessment
FreeFrom 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
Look at both routes properly
A week or twoSearch 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
Choose, and know it can change
Whenever you are readyStart 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.

