NHS Continuing Healthcare (CHC) Claims

If you or a loved one have been paying privately for nursing or residential care, you may be entitled to a refund. Many people who fund their own care do so unaware that they could have qualified for NHS Continuing Healthcare (CHC) – a scheme which covers the full cost of care for individuals with significant health needs.

At Geldards, we specialise in helping individuals, families, executors, and professional advisers apply for NHS Continuing Healthcare, challenge previous decisions, and recover wrongly paid care fees.

What is NHS Continuing Healthcare?

NHS Continuing Healthcare is a package of care arranged and funded entirely by the NHS for individuals with a primary health need. Unlike social care, it is not means-tested – eligibility depends on health needs, not financial assets.

If you or a loved one are found eligible, the NHS will cover the entire cost of care, including accommodation in a nursing or care home, nursing support at home, and other healthcare needs.

Who qualifies for NHS Continuing Healthcare?

Eligibility for NHS CHC is determined through a detailed assessment process under the National Framework for NHS Continuing Healthcare. To qualify, an individual must have ongoing and substantial healthcare needs that go beyond what local authority-funded social care can provide.

Our experienced team can help you apply for NHS Continuing Healthcare and ensure the correct process is followed, maximising your chance of success.

Retrospective claims for NHS Continuing Healthcare

If someone was previously denied NHS CHC funding, you may still be able to make a retrospective claim for NHS Continuing Healthcare. Executors or personal representatives can also seek to recover care home fees that were wrongly paid by a Deceased prior to their death.

In Wales, there are strict time limits on retrospective claims, so it is important to act quickly. Executors should be aware that pursuing a CHC claim can significantly increase the value of the estate – something they have a legal duty to do.

We understand that every situation is unique. That’s why we offer flexible service packages, allowing you to decide how much support you need:

• Initial review: An expert opinion on whether a CHC claim is likely to succeed.
• Assisted application: Guidance through key stages of the assessment or appeal.
• Full representation: End-to-end management of the CHC claim or retrospective review.

Our approach is transparent, cost-effective, and tailored to your circumstances.

Why choose Geldards?

Navigating NHS Continuing Healthcare can be complex and emotionally taxing. Our team combines legal expertise with empathy and practical support to help clients secure the funding they deserve.

We regularly work with:

• Families concerned about current care costs
• Attorneys or deputies acting under a lasting power of attorney
• Executors managing estates with potential claims
• Independent Financial Advisers (IFAs), including SOLLA-accredited advisers, whose clients may qualify for CHC funding

If you believe you or a loved one may have been wrongly denied NHS Continuing Healthcare, or if you wish to make a retrospective claim, we’re here to help.

We’ll guide you through every step, from initial assessment to appeal, ensuring your case is handled with care, expertise, and efficiency.