Paying for care in your home

When arranging care and support in your home or other places (such as supported living) we will look at:

  • income you have from benefits, pension, and other unearned income
  • capital you have, including bank and building society accounts or shares and investments
  • outgoings you have which reduce the amount of income you have

Once we have looked at this information, we will work out how much income you have available to pay for your care and support. We compare the amount of income you have available with the amount that the government says you need to live on. If the amount of income you have available is higher than the amount set by government, you will pay a contribution towards the cost of your care and support based on the difference between the two.

Disability Related Expenditure (DRE) can be considered as part of your charges. If you feel you have additional needs you can ask for an individual assessment of your DRE. This will be included as part of your financial assessment.

If you decide not to provide any financial information to us for the financial assessment, you will need to to make a contribution equal to the full cost of your support up to a maximum of £440 per week.

Local Authorities or Councils can charge an administration fee for arranging care and support if a person with eligible care needs has  income and capital (assets) above the upper capital limit. (Care Act 2014) The fee includes the cost of negotiating and/or managing the contract with a provider and any administration costs. The fee will apply for as long as the Council is administering the care contract, this means that invoices for the fee may be raised for weeks where no care or support is received.

Who is charged an administration fee?

If you have assets of more than £23,250 (known as the upper capital limit), or you decide not to provide any financial information to us for the financial assessment, you will be charged the administration fee. The fee is currently £7.50 per week and is invoiced on a four-weekly basis.

Paying for Care have Care Cost Calculators to help you check average care costs and if you are likely to contribute to your care costs 

 

Capital thresholds

If you have appropriate capital valued at £23,250 or more, you will be offered a light touch financial assessment, and will be expected to make a contribution equal to the cost of your support (up to £440 per week if you are receiving services outside a care home).

If you have appropriate capital valued between £14,250 and £23,250 a full financial assessment will be provided. A tariff income will be added to your weekly income. This tariff will add £1 of income for every £250 of capital above £14,250.

If you have capital below £14,250 we will not include this in the financial assessment.

For more information please read our Charging and Financial Assessment Policy.