Which is better?
I can only speak for England. Direct Payments administered by Social Services, they charge the client an amount depending on income and savings. Over £23,000? You pay for it all.
CHC? All care, nursing and social, paid for by the NHS and you keep you savings and income intact.
Definitely CHC - but here it’s a postcode lottery!
it’s not something you can choose between, its more a case of whether someone qualifies for continuing health care or not, with the added complication that it is easier to get CHC in some areas than others.
Have a look at the information and see if your caree fits the criteria:
Edit: Bump BB.
Edit: links above edited to be Wales specific.