Should I pay a firm to help with CHC?
In short
- You do not have to pay anyone. Every step is free.
- Try free help first.
- If you pay, check the fees and the contract in writing.
- Walk away from pressure, cold calls or promises.
NHS Continuing Healthcare guide: Start here · Checklist, assessment and the 12 areas · Evidence and appeals · Should I pay a firm? · Free printable checklist
Free help first
Asking for an assessment, collecting evidence, and every stage of appeal costs nothing. Free places to start: Beacon, Age UK and Citizens Advice. The NHS website names Beacon as a source of free, independent CHC advice.
Warning signs
We do not name or rate any company. These are general warning signs. Be careful if anyone:
- Promises you will win or "guarantees" an outcome. Nobody can.
- Asks for a big fee up front, before doing any work.
- Cold calls, texts or emails you out of the blue.
- Pressures you to sign today or says the offer will end.
- Takes a large share of any money paid back to you.
- Will not explain all fees, and how to cancel, in writing.
- Does not say they are regulated, or who regulates them.
Questions to ask before you sign
- What will you do that I cannot do myself for free?
- What is the total cost, including any percentage?
- What happens if I cancel?
- Are you regulated? By whom? How do I complain?
If you want a solicitor, check them on the Solicitors Regulation Authority register.
Information only. This page explains official guidance in plain English. It is not legal or medical advice. Rules can change. For advice about your own case, contact Citizens Advice or another free adviser.
Where this applies: England. Scotland, Wales and Northern Ireland have different rules.
Written by Social Care Made Easy. Last checked: 25 October 2026.