
Dementia care – how do I pay for it?
Zenya Smith | Editorial Contributor
12-minute read | 22/04/2026


If your loved one has recently been diagnosed with frontotemporal dementia (FTD), understanding what to expect can make an enormous difference. It helps you plan ahead, have the right conversations, and feel more confident about the support available.
Below, we walk through the seven stages of frontotemporal dementia: what each stage may look like, and how you can respond. If you'd like to talk through care options at any point, Elder is here to help.
Frontotemporal dementia is an umbrella term for a group of conditions caused by progressive damage to the frontal and temporal lobes of the brain. It is sometimes referred to as frontotemporal lobar degeneration (FTLD). According to the NHS, FTD is one of the less common types of dementia, but it's particularly significant because it tends to affect people at a younger age, often between 45 and 65.
There are three main variants:

Because FTD is less common than Alzheimer's, it's sometimes misdiagnosed or mistaken for depression, stress, or a personality disorder in the early stages. If you notice changes in a loved one's behaviour or language that don't seem to have an obvious explanation, it's worth speaking to a GP and asking about early signs of dementia.
The widely used 7-stage framework, developed by Dr Barry Reisberg and known as the Global Deterioration Scale, was originally designed for Alzheimer's disease. It's also commonly used as a general guide for the 7 stages of dementia across different types.
FTD doesn't always follow a perfectly linear path, and the speed of progression varies significantly between individuals. However, mapping it to the 7-stage model gives you a useful framework for understanding how care needs are likely to change over time. According to the National Institute on Aging, most people live with frontotemporal dementia for around six to eight years after diagnosis, though this varies widely.
At this earliest stage, there are no visible signs of dementia. Changes in the brain may already be underway, but they don't yet affect daily life. In FTD, this preclinical phase can last for years before symptoms appear. The condition can't yet be diagnosed based on symptoms alone.
In Alzheimer's disease, Stage 2 typically involves subtle memory lapses such as forgetting names or misplacing items. With FTD, the changes at this stage tend to be behavioural or linguistic rather than memory-based. Your loved one may seem slightly more irritable or withdrawn, or you might notice small differences in their choice of words. These changes are easy to overlook or put down to stress, tiredness, or a low mood.
This is often the stage when families first raise concerns, and when a diagnosis may begin to be explored. The changes become more consistent and harder to dismiss.
Common signs at this stage include:
In the behavioural variant of FTD, personality changes can be striking and distressing. Someone who was previously warm and sociable may become withdrawn, blunt, or even reckless. In variants that affect language, speech may become hesitant or words may start to lose their meaning. It's painful to witness, and it's completely understandable if you're not sure how to respond.
At this stage, many people are still living independently and managing most daily activities. Light-touch support and regular check-ins can make a real difference. Our guide to living well with dementia offers practical advice for the early stages.
Because FTD is more likely than other dementias to affect people under 65, it's also worth reading our guide to supporting someone with early onset dementia, which covers the unique challenges this brings for families and working-age individuals.

By Stage 4, symptoms are clearer and more consistent, and a formal diagnosis is typically made if it hasn't been already. Daily life becomes more affected. Your loved one may:
Families often take on a more active caring role at this stage. It helps to start making practical arrangements, including looking into dementia care at home, and to think ahead about financial and legal planning.
At Stage 5, consistent daily support becomes necessary. Your loved one will have increasing difficulty managing independently, though they may retain some self-awareness and physical capabilities. Common challenges include:
This is often the stage where home adaptations and professional care support become essential. Our guide to creating a dementia-friendly home environment covers practical changes you can make to reduce distress and keep your loved one safe.
Many families at this stage choose to arrange live-in dementia care, which provides round-the-clock, one-to-one support in familiar home surroundings. For people with FTD, a consistent routine and a trusted carer relationship can significantly reduce anxiety and help manage behavioural symptoms.
Stage 6 represents a significant increase in care needs. At this stage, your loved one will need full-time support for most or all daily activities. Live-in dementia care or around-the-clock support typically becomes the primary care model.
Symptoms at this stage typically include:
Physical care needs are now as significant as cognitive ones. Carers need training and experience in complex personal care, nutrition support, and safe moving and handling.
It's also important to look after yourself during this time. Rare Dementia Support offers resources specifically for FTD families, and the FTD Support Forum provides peer connection with others who understand what you're going through.
In the final stage of frontotemporal dementia, the brain's ability to control basic bodily functions is significantly impaired. Your loved one will be largely unresponsive to their environment. Care at this stage focuses on comfort, dignity, and palliative support.
Some families choose to continue home-based care through this period with the support of palliative care teams. Others move to a specialist care setting. Whatever you decide, ensuring your loved one is comfortable and cared for with dignity is what matters most. Our guide to dementia life expectancy covers end-of-life planning and what to expect in the later stages.

FTD has a distinct progression compared to other common dementias. Understanding those differences can help you make sense of the diagnosis and prepare for what lies ahead.
FTD can be particularly challenging to care for because of the personality and behavioural changes it causes. Someone who was previously kind and gentle may become impulsive, rude, or emotionally detached. That's deeply painful to witness, and it doesn't reflect who your loved one is.
Some practical strategies that may help:
For many families, live-in dementia care offers the most effective way to provide consistent, round-the-clock support while keeping a loved one in the home they know. A specialist carer can manage daily routines, personal care, safety, and emotional support, adapting to your loved one's changing needs at every stage.
Caring for someone with frontotemporal dementia is one of the most demanding things a family can face. You don't have to navigate it alone.
Elder connects families with experienced, compassionate live-in carers who understand the complexities of FTD. Whether you're planning ahead or need support now, we're here to help you find the right care for your loved one. Explore live-in dementia care with Elder to find out more.

Zenya Smith | Editorial Contributor

Zenya Smith | Editorial Contributor

Paola Labib | Editorial Contributor

Zenya Smith | Editorial Contributor

Zenya Smith | Editorial Contributor

Paola Labib | Editorial Contributor