The short answer
- Palliative care can begin long before the endThe NHS says palliative care is available from the point somebody first learns they have an illness that cannot be cured, and that it can be given while they are still having treatment for the condition itself.
- End of life care is the part given in the final yearThe NHS counts somebody as approaching the end of life when they are likely to die within the next 12 months, and says plainly that this cannot always be predicted.
- Hospice at home is a service, not a stageThe NHS describes hospice care as a style of care rather than something that happens in a particular building. It is free, paid for by a mix of NHS funding and public donation.
- The NHS part is free, and the hours in between are notNurses and the palliative care team visit, and they do not stay. A carer booked directly on PrimeCarers is £18 to £25 an hour with our fee included, against £28 to £35 an hour at an agency.
Benefit and threshold figures are the 2026/27 ones on gov.uk. Care figures are what families pay on PrimeCarers, with our fee included.
What each term means
Three words for three different things
The words overlap, and they are not interchangeable. Two of them describe a kind of care and how far along an illness it usually starts. The third describes who is delivering it and where.
Palliative care
Can run for yearsTreatment for pain and other symptoms, plus emotional, social and spiritual support for the person and the family, when an illness cannot be cured. The NHS says it is available from the point somebody first learns they have a life-limiting illness, and that it can be given while they are still having other treatment for the condition itself.
The GP, community nurses, and a specialist palliative care team where symptoms are hard to control. Free on the NHS.
End of life care
The final yearThe NHS describes this as the form of palliative care somebody receives when they are close to the end of life. People are counted as approaching the end of life when they are likely to die within the next 12 months, and the NHS is clear that this cannot always be predicted.
The same NHS teams, usually visiting more often, and often a hospice team as well. Free.
Hospice at home
A service, not a stageA hospice team bringing its care to the house rather than the person going to the hospice building. The NHS describes hospice care as a style of care rather than something that happens in a particular place, and some hospice teams can provide specialist nursing at home.
Your local hospice, usually on a referral from the GP, hospital doctor or district nurse. Free, paid for by a mix of NHS funding and public donation.
The bands show scope rather than a timetable, because no two illnesses run to the same length. Definitions from the NHS guide to end of life care, reviewed in 2026.
Sources: NHS: end of life care, what it involves and when it starts; NHS: hospice care; NHS: end of life care at home; NHS continuing healthcare; Benefits if you are nearing the end of life.
The NHS puts the link between the first two plainly: end of life care is a form of palliative care somebody receives when they are close to the end of life. So everyone having end of life care is having palliative care, and many people having palliative care are not near the end of their life at all. Somebody living with heart failure or motor neurone disease may have it for years, alongside treatment for the illness itself.
Hospice at home sits differently. It describes who is giving the care and where, rather than a point an illness has reached, and what the local team can do varies by area. If the illness is dementia, palliative care for dementia covers how these words are used when there is no single moment at which treatment stops.
Who provides each one
The people who provide each kind of care
At home the GP has overall responsibility, community nurses do the hands-on nursing, and a specialist team advises on symptoms that are hard to control. A carer covers the hours in between.
The GP
NHS, free
District and community nurses
NHS, free
The specialist palliative care team
NHS, free
Hospice at home
Free
Out of hours, and NHS 111
NHS, free
A carer you book yourself
From £18 an hour
Two names cause particular confusion. Macmillan nurses are specialist nurses working in cancer care, and Macmillan says they do not usually give hands-on physical nursing the way a district nurse does; their work is advice on symptoms and support. Marie Curie nurses and healthcare assistants give hands-on care in people's homes, often overnight, and Marie Curie calls this hospice care at home. Both are free to the family. Who is in the team goes through everyone who may be involved, and can you get live-in nurses? answers the question families ask about nursing in the house around the clock.
How to ask
How to ask for palliative care, end of life care or hospice at home
There is one starting point for all three, and it is the GP. What happens next depends on the answers you get, and none of these steps costs anything.
- 1
Ring the GP surgery and say what has changed
FirstThe NHS says your first step is to speak to the GP, because part of their job is to explain which services exist locally. Say what has changed rather than asking for a service by name: pain that is not controlled, breathlessness, no appetite, or a hospital saying there is no further treatment. - 2
Ask for a referral to the community palliative care team
FreeThe GP can arrange community nurses, and can refer on to specialist palliative care nurses who visit at home to advise on pain and symptom control and support the family. Ask for this by name if symptoms are the problem. A district nurse can also make the referral. - 3
Ask what hospice at home covers where you live
FreeAsk the GP or district nurse what the local hospice provides in the house, and how long the wait is. You can contact a hospice yourself, though the team will usually still want a referral from a doctor or nurse. What is available varies between areas, so ask rather than assume there is nothing. - 4
Ask about the fast track pathway if health is declining quickly
About 48 hoursIf somebody is deteriorating rapidly and may be nearing the end of their life, the NHS says they should be considered for the continuing healthcare fast track pathway, so a care package can be put in place as soon as possible, usually within 48 hours. A doctor or registered nurse responsible for their care completes the form. You cannot complete it yourself, but you can ask them to. - 5
Write down what they want while they can still say it
Any timeAn advance statement records preferences and wishes, and anyone making decisions must take it into account. An advance decision to refuse treatment is legally binding where it is valid and applies, and one refusing life-sustaining treatment must be written, signed and witnessed. Many areas also use a ReSPECT form, which records recommendations for emergency care.
What is free
What the NHS pays for, and what is left for the family
The nursing, the specialist advice and hospice care are free wherever somebody is cared for. What is not automatically free is having a person in the house for the hours between visits, unless one of the routes below covers it.
| What it covers | What it costs you | How to start | |
|---|---|---|---|
| GP, district nurses and the palliative care team | Nursing at home, pain and symptom control, and advice to everyone else involved | Free | Ask the GP |
| Hospice care, including hospice at home | Specialist palliative nursing and support, in the house or at the hospice | Free, paid for by NHS funding and public donation | A referral from the GP, hospital doctor or district nurse |
| NHS continuing healthcare, fast track pathway | The full cost of a care package, including personal care at home | Free, and not means-tested | A doctor or registered nurse responsible for their care completes the fast track form |
| Council help with care and equipment | A means-tested contribution towards care, plus equipment and small adaptations | Depends on savings and income: £23,250 is the upper limit in England and £14,250 the lower one | Ask adult social care for a needs assessment |
| A carer you book yourself | The hours nobody else covers: mornings, evenings, nights, or a carer living in | £18 to £25 an hour on PrimeCarers, with our fee included | Search by postcode and agree the visits with the carer |
GP, district nurses and the palliative care team
- What it covers
- Nursing at home, pain and symptom control, and advice to everyone else involved
- What it costs you
- Free
- How to start
- Ask the GP
Hospice care, including hospice at home
- What it covers
- Specialist palliative nursing and support, in the house or at the hospice
- What it costs you
- Free, paid for by NHS funding and public donation
- How to start
- A referral from the GP, hospital doctor or district nurse
NHS continuing healthcare, fast track pathway
- What it covers
- The full cost of a care package, including personal care at home
- What it costs you
- Free, and not means-tested
- How to start
- A doctor or registered nurse responsible for their care completes the fast track form
Council help with care and equipment
- What it covers
- A means-tested contribution towards care, plus equipment and small adaptations
- What it costs you
- Depends on savings and income: £23,250 is the upper limit in England and £14,250 the lower one
- How to start
- Ask adult social care for a needs assessment
A carer you book yourself
- What it covers
- The hours nobody else covers: mornings, evenings, nights, or a carer living in
- What it costs you
- £18 to £25 an hour on PrimeCarers, with our fee included
- How to start
- Search by postcode and agree the visits with the carer
Capital limits are for England and were held at the same figures for 2026/27; Scotland, Wales and Northern Ireland set their own. NHS continuing healthcare cannot be topped up with your own money the way a council package can.
If you are the one doing most of the caring, Carer's Allowance is £86.45 a week for at least 35 hours of caring, where the person you care for gets a qualifying benefit and you earn no more than £204 a week after tax, National Insurance and expenses. Carer's Allowance explained has the conditions, NHS Continuing Healthcare explains the assessment, the fast track pathway covers the quicker route used at this stage, and local authority funding explains the means test and how to ask for an assessment.
Where a carer fits
Where a carer you book yourself fits alongside the NHS team
The district nurses visit, the GP visits, and the palliative care team advises. None of them stays. The hours in between are the ones families find hardest to cover, and they are what a private carer is for.
£18-£25
An hour, on PrimeCarers
Agencies charge £28 to £35 for the same visit.
£130+
A night, carer sleeping in the house
A carer awake all night is from £150.
£1,050+
A week for a live-in carer
Agencies typically charge from £1,400 for the same week.
£1,260+
A week where care is complex
Carers with palliative experience set their own rates, and they are usually higher.
PrimeCarers rates, September 2026, with our fee included.
A carer at this stage does the washing and dressing, keeps the mouth comfortable, helps with meals for as long as they are wanted, sees that medication is taken on time, turns somebody every few hours, and sits with them at three in the morning. They are not a nurse, and they are the person who is there, so they notice the change that prompts the phone call. When you are ready to look, you can search for carers near you and compare their rates by postcode, see their experience and reviews, and message the ones you would like to speak to.
PrimeCarers is an introductory service rather than an agency or a care provider, and it holds no CQC registration. Carers on the site are self-employed, set their own rates, and agree the visits with you directly. Before a carer appears, their identity and their right to work are checked, an enhanced DBS on the Update Service is checked, and they have had an online interview. Qualifications, training and references are not checked by us: references sit on a carer's profile, and skills and training are for you to go through with the carer when you talk to them. Carers hold insurance that covers them while they work.
Two parts of the contract between a client and a carer matter more at this stage than at any other. A visit cancelled by the client is payable in full, apart from unplanned hospitalisation, illness, or another reason the carer agrees to, which is worth knowing when somebody may be admitted at short notice. The period for ending the arrangement is 48 hours for hourly visits, and seven days for live-in care once 168 hours have been worked, with 48 hours before that. Bank holidays are charged at one and a half times the carer's rate and Christmas Day at twice. Travel time and travel costs are chargeable only where the two of you have agreed them in advance in writing. PrimeCarers charges nothing itself to cancel, and does not set the terms between a client and a carer.
Which arrangement fits usually depends on the nights. Overnight care covers a carer sleeping in the house or awake through the night, live-in care covers a carer there day and night, private palliative carers covers what to look for in somebody's experience, and current rates lists what each type of visit costs.
Questions
Questions families ask about these three terms
No, though one contains the other. The NHS describes end of life care as a form of palliative care somebody receives when they are close to the end of life. Palliative care is wider: it treats pain and other symptoms, and supports the person and the family, whenever an illness cannot be cured. Somebody can have it for years.
Not by itself. The NHS says palliative care is available from the point somebody first learns they have a life-limiting illness, and that they may be able to receive it while still having other therapies for the condition. If a doctor has suggested palliative care, ask directly whether treatment is continuing, because that is a separate question.
It means a hospice team bringing its care to the person’s house rather than the person going into the hospice building. The NHS describes hospice care as a style of care rather than something that takes place in a specific building, and Hospice UK says some hospice teams can provide specialist nursing at home. What each hospice offers varies by area, so ask your GP or district nurse what yours covers.
Yes. The NHS states that hospice care is free, paid for through a combination of NHS funding and public donation. That covers the hospice team’s own visits and support. It does not cover somebody being in the house for the rest of the day and night, which is what a private carer, council funding or the fast track pathway would pay for.
Ask the GP. The NHS says the GP can arrange community nurses at home, and that specialist community palliative care nurses can visit to advise on pain and symptom control and support the family. A district nurse or a hospital team can also refer. Describe what has changed rather than naming a service, because the symptoms are what a referral is based on. End of life care at home covers what follows.
It is the quicker route into NHS continuing healthcare for somebody with a rapidly deteriorating condition who may be entering a terminal phase, and the NHS says a care package should be in place as soon as possible, usually within 48 hours. The form has to be completed by an appropriate clinician: a registered nurse or doctor responsible for the person’s diagnosis, treatment or care, which can include a hospice clinician. A family cannot complete it, but can ask the GP, consultant or nurse to consider it. It is free and not means-tested. Fast-track continuing healthcare goes through it step by step.
No. The nursing stays with the NHS: the district nurses and the palliative care team handle dressings, catheters, pressure care, syringe pumps and symptom control, and the GP prescribes. A carer covers the personal care and the hours in between. The two run alongside each other, and telling the nursing team that a carer is involved helps them plan their visits.
