NHS Continuing Healthcare and your LPA

Guidance from Estate Advisory Group

Written and legally reviewed by Ramani Gill TEP, Solicitor and private client practitioner·Last reviewed 13 August 2026

If care needs are primarily health needs, the NHS may pay for all of it. Attorneys are the ones who usually have to ask.

How the process runs

  1. Ask the GP, hospital discharge team or social worker for a CHC checklist.
  2. If the checklist screens in, a multidisciplinary team completes the Decision Support Tool.
  3. The integrated care board decides eligibility, in principle within 28 days.
  4. If refused, request the written rationale and use the local resolution then independent review process.

What attorneys should do

  • Attend the DST meeting — a health and welfare attorney is the donor's representative.
  • Send the LPA in advance and ask for all correspondence to come to you.
  • Keep a daily needs diary: nights, falls, medication, behaviour, skin, nutrition.
  • Challenge domains where the evidence in the record is thinner than the reality.

A worked example

Consider Bernard, whose wife Joan holds his health and welfare LPA. Bernard's care needs are complex — unpredictable behaviour linked to advanced dementia, a swallowing difficulty and frequent falls. Joan requests a CHC checklist through Bernard's GP, keeps a two-week diary of every fall and every episode of distress before the Decision Support Tool meeting, and sends the LPA to the multidisciplinary team a week beforehand so they know she is entitled to attend and speak. At the meeting, the notes in Bernard's file understate how often he needs two staff to manage a wash; Joan's diary supports raising that domain from moderate to high. The team's overall recommendation goes to the integrated care board with Joan's evidence attached, rather than relying solely on a single ward assessment.

Why it matters financially

CHC is not means-tested

Where the donor is eligible, the NHS funds the whole package, including a care home placement. That is why it is worth pursuing before selling the donor's house. See LPA and care home fees.

If the assessment is refused

A refusal is not the end of the process. Ask in writing for the completed Decision Support Tool and the panel's rationale, then use the local resolution process before escalating to an independent review panel if the answer does not change. Refusals are common at first assessment, and a well-documented appeal — supported by a care diary, GP letters and specific examples tied to each of the twelve care domains — genuinely does change outcomes. Attorneys should not assume the first decision is final, particularly where needs have clearly changed since a previous, lower-scoring assessment.

Common questions

Can a financial-only attorney take part?

You can supply financial information and should be consulted, but the welfare attorney represents the donor's care interests.

Is Funded Nursing Care the same thing?

No. FNC is a smaller contribution towards nursing costs where CHC is not awarded.

How long does the appeals process usually take?

There is no statutory deadline, and local resolution followed by independent review can take several months — start the care diary as early as possible.

Does CHC eligibility ever get reviewed and withdrawn?

Yes. Eligibility is reviewed periodically, and needs can change in either direction, so attorneys should keep evidence current rather than relying on the original assessment indefinitely.

Read next

Where this fits

This page is part of Health and care decisions. The pages below take it further.

Review and sources

Reviewed by Ramani Gill TEP, Solicitor and private client practitioner. Last reviewed 13 August 2026. We recheck fees, forms and Office of the Public Guardian guidance whenever they change — see our editorial policy.

Official sources

Most people make both LPAs

Property & Financial Affairs and Health & Welfare together cost £79 instead of £98 separately.

The Office of the Public Guardian charges a separate £92 to register each LPA.

This is general information about how Lasting Powers of Attorney work in England and Wales. It is not legal advice about your situation. What we do and do not do.

Published by Estate Advisory Group