Caring for a husband is different from caring for a parent. You share a home, a bank account and a life, and the money rules recognise that, in ways many people are never told.
This guide explains how to arrange home support for your husband, and the spouse protections that could save you a great deal of worry.
The spouse protection most people miss
Here is the fact that matters most. If your husband needs care at home, the value of your home is never counted, because it is not a care-home stay.
And if he ever needed a permanent care-home place, your home is still disregarded as long as you, his wife, still live there. Your own savings and income are also protected. Only his share of joint savings is assessed.
This is buried deep in official factsheets. I surface it plainly, and explain it fully in savings thresholds and means testing.
- Your home is ignored for care at home, always
- Your home is disregarded for a care-home stay while you live there
- Your own income and savings are protected
- Only your husband's share of joint money is assessed
Getting home support in place
Start with a free needs assessment from the council, and a GP review for anything health-related. Then look at what mix of help works: a carer for personal care, help with the house, or a sitting service so you can rest.
What home support costs
Home care in England is usually £26 to £38 an hour in 2026 (Homecare Association minimum £34.42), and live-in care around £220 a day. Full detail is in home care costs.
Money help you can still claim
If your husband is over State Pension age and needs help with personal care, Attendance Allowance is not means-tested and worth up to £114.60 a week. It can help pay towards support at home.
Don't forget your own wellbeing
A spouse carer often carries the most and asks for the least. Request a free carer's assessment, and take respite before you reach breaking point.
