WHO PAYS

The cost of care in the UK depends on an individual's financial situation and the type of care needed. Care home fees can vary widely based on location and the level of care provided.
In short, If your assets exceed a certain amount, you may need to pay. However, if your assets are below the threshold, the local authority may contribute based on income and savings. If residents want a more expensive care home, families may need to pay the difference.
NHS Funding for Care
The NHS may cover full care costs for those with complex health needs (such as advanced dementia or recovering from a stroke). This will require an assessment by healthcare professionals.
There are various benefits that can help with care home costs, which are worth looking into.
For instance, there’s the Attendance Allowance for people over State Pension age needing help due to illness or disability.

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