Calculating compensation for care and financial loss
Care and financial loss payments are worked out based on how many years of care you are likely to need, and how many years your illness will affect your earnings.
Your claim manager will discuss this with you to understand your circumstances, and guide you through the process.
Compensation for care needed because of your infection
This table shows compensation amounts for the different levels of care. The overall care amount you’ll receive is based on set measures depending on how severe your infection is.
| Care level | Description | Compensation amount per year |
|---|---|---|
| General support around the home and out and about | Support with heavier tasks, getting to medical appointments and household maintenance | £5,460 |
| Low care | Part-time help with daily activities and taking care of yourself | £23,425 |
| Moderate care | More frequent or daily help for example with meals | £51,286 |
| High care | Significant daily help and full personal care, meals and nighttime support | £62,742 |
| End-of-life care | 24-hour support | £109,836 |
Changes to past care compensation
The fourth set of regulations for the Infected Blood Compensation Scheme became law on 24 July 2026. They changed how IBCA pays compensation for past care for people who choose to keep receiving their support scheme payments for life alongside an adjusted IBCA compensation amount.
If you choose to continue your support scheme payments when you receive your IBCA compensation, you may be entitled to more compensation for the past care award than you would have been previously. This is because you will now receive 100% of your past care award, instead of 75%.
If you have completed your compensation claim
If you have already been paid IBCA compensation and chose to continue your support scheme payments, you may get an increase in your compensation. We are contacting everyone this applies to. You do not have to do anything until you hear from us.
Compensation for financial loss
Financial loss compensation is based on set amounts that consider:
- when you were born and how long a healthy person your age would be expected to live
- your ability to work after you were infected
- how long your illness had an effect on your ability to work
| Type of loss | Description | Compensation amount |
|---|---|---|
| Extra costs you had because of your infection | A set amount to cover costs such as insurance and extra transport | £12,500 set amount |
| Lost earnings before retirement age (set as age 66) | Compensation for lost income | Up to £29,657 per year, depending on how severe your illness has been in each year since you were infected and the date effective treatment was introduced |
| Reduced earnings after retirement age (set as age 66) | 50% of the compensation for lost earnings before retirement age | Up to £14,828.50 per year, depending on how severe your illness has been in each year since you were infected and the date effective treatment was introduced |
Changes to the financial loss calculations
The fourth set of regulations for the Infected Blood Compensation Scheme became law on 24 July 2026. They introduced an additional calculation for past financial loss for people who choose to keep receiving their support scheme payments alongside an adjusted IBCA compensation amount.
The additional calculation means you may be entitled to more compensation for the financial loss award than you would have been previously. Your claim manager can explain the calculations when you make your claim.
This change does not affect you if you are not registered with a support scheme.
If you have completed your compensation claim
If you have already been paid IBCA compensation and chose to continue your support scheme payments, you may get an increase in your compensation. We are contacting everyone this applies to. You do not have to do anything until you hear from us.
What happens to your current support payments
If you’re getting regular support payments from an existing support scheme, you can choose to continue getting support payments or not.
This choice of whether to continue receiving support scheme payments only affects the ‘care’ and ‘financial loss’ parts of your compensation.
Continuing with your support payments
If you continue with your support payments you’ll get both:
- your support payments from the existing scheme as you do now and for the rest of your life
- your IBCA compensation as described on these pages, but ‘care’ and ‘financial loss’ payment will only cover past years, not future years
You’ll get a top up payment to make sure you’re not left worse off if your continuing support payments are less than you would have got through IBCA.