I've sat in many CHC assessments as a social worker
what is being assessed is whether the nursing care needs are of a nature, complexity, unpredictability and intensity which means they cannot be met within the funded nursing contribution the NHS already pays the nursing home (£209.19 a week) to deliver medical care to the person 'free at the point of access' on behalf of the NHS.
If the person's nursing needs are fairly standard and routine and can be easily met within that £209.19 a week budget then they probably won't be found to be eligible for fully funded continuing healthcare.
if their nursing needs are not routine because of their nature, or because they are complex, or unpredictable or very intense and therefore are taking far more nursing resource than is covered by the £209.19 nursing contribution then they should qualify for CHC.
A lot of families are given false hope that the whole cost of a persons care will be covered by CHC because the threshold for the CHC checklist is very low to ensure nearly everyone with nursing needs is assessed for ChC, but the threshold at the decision support tool (DST) stage to actually be found eligible for CHC is very high.
The £209.19 nursing contribution is built into the weekly cost of nursing care so it can feel to families like they don't actually get this NHS contribution because it gets paid directly to the care home and doesn't get 'knocked off' the final weekly bill the person themselves has to pay for the residential/bed and board aspects of their care.