If you're arranging and paying for private care for your wife, the same protections apply to you as to any spouse, and they are worth knowing before you spend anything.
This guide explains how to pay for your wife's care, the savings and home protections for husbands and wives, and the support you can claim.
The protections for you as her husband
If your wife needs care at home, your home is never counted. If she ever needed a permanent care-home place, your home is still disregarded while you live there, and your own savings and income are protected.
Only your wife's share of joint savings is assessed. This spouse protection is explained in full 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 wife's share of joint money is assessed
Arranging private care
You can arrange private care yourself, without the council, and many people do. It is still worth asking for a free needs assessment, because it clarifies what help is needed and what you're entitled to.
What private care costs
In England in 2026, home care is usually £26 to £38 an hour (Homecare Association minimum £34.42), and live-in care around £220 a day. See home care costs for a full breakdown, and how to budget.
The benefits you can still claim
If your wife is over State Pension age and needs help with personal care or supervision, Attendance Allowance is not means-tested and worth up to £114.60 a week. Claiming it is one of the most useful first actions you can take.
Care for the carer
Looking after a wife you love is a heavy load. Ask for a carer's assessment, lean on family, and plan breaks. You will care better when you're not running on empty.
