Care fees & funding
The cost of residential care can vary hugely by location and the care required. Your care needs assessment will help determine whether you require nursing care. If you do require nursing care, this is likely to increase your care home costs considerably. It is important to bear in mind that, although you may not need nursing care now, your needs could change in the future.
How our fees work
When you or a loved one move into a care home it is essential that you understand the costs involved and affordability of the home you have chosen, as well as making yourself aware of exactly what the Local Authority (LA) can provide. Seeking specialist advice is important, but we have tried to answer some of the most commonly asked questions below.
Who qualifies for local authority financial assistance?
If you have been assessed as needing a care home place and your capital is below £23,250, you should be entitled to some level of financial support from your local authority.
If you have capital below £14,250 you will be entitled to the maximum level of support, although you will still contribute your income less £23.90 per week (retained for personal expenses).
If you have capital between £14,250 and £23,250 you will also pay a capital tariff of £1 per week for each £250, or part thereof, between these two figures.
If your assets – which may include your property – are calculated to be above £23,250 you will, in most cases, be expected to pay privately for your own care.
If the State is paying do I have a choice of care home?
You will have a choice of care home if the Local Authority is paying for your care, and you can even choose a home in a different county.
The home you choose must be suitable for your assessed needs, comply with any terms and conditions set by the LA, and must not cost any more than the LA would usually pay for someone with your needs.
What if the home costs more than the local authority is prepared to pay for?
The Local Authority will allow the fees to be topped-up by a third party, so long as they are able to do so over the long term. You are not allowed to top-up the fees yourself from your capital below £23,250.
Funding the cost of care guide
For more information regarding the funding of residential care placements, view our “Funding the cost of care” guide.
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James & Edith’s story
James and Edith had been a devoted couple for many years, raising their daughters in the family home and enjoying life together to the fullest. However, as the years went by, Edith’s health began to…Read more