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Do I have to pay for my care services?

Our information on Paying for Adult Social Care will help you estimate your 'assessed charge', what you will contribute towards your care services. 

Please make sure you read the other pages within Charging for Care Services before using the calculator.

 

Residential care

If you are eligible to receive services the following applies:

  •  If you have savings over £23,250 (referred to as the capital threshold) you will pay the full cost of your care.
  • If you have savings under £23,250 you will probably have to make a contribution to the cost of your care.
  • The value of your home if you own the property is taken into account if your stay in a residential home is permanent. If taken into account, we will ignore the property which is your home for the first 12 weeks, then you will pay for the full cost of your care (see below*)
  • The value of your home is not taken into account if your stay in the residential home is temporary.
  • The value of any second property you own (such as a holiday home) is taken into account for all types of permanent and temporary residential stays. The value of that property will be included as savings under 'Notional Capital' from the start of your care (Day 1).

*If you own a property it generally means you own something worth more than £23,250. Unless your spouse or partner is living in the property, it will usually mean you have to pay the full fees yourself. However, we will ignore your property for the first 12 weeks. The expectation is you'll defer the difference between your assessed charge and the full cost of your fees by entering into a deferred payment agreement. 

Please contact the Income Property Team for more information on the treatment of property in a financial assessment, especially if you own a property where someone other than your spouse or partner is living.

If you are above the capital threshold or have a property which we may take into account; resulting in the full cost of your care being due, we would strongly advise you seek independent financial advice to discuss all monetary arrangements.

Domiciliary care

If you're eligible to receive services the following applies:

  • If you have savings over £23,250 (referred to as the capital threshold) you will pay the full cost of your care.
  • If you have savings under £23,250 you will probably have to make a contribution to the cost of your care.
  • The value of your home if you own the property, will not be taken into consideration for domiciliary care.
  • The value of any second property you own (such as a holiday home) is taken into account for domiciliary care. The value of that property will be included as savings under 'Notional Capital' from the start of your care (Day 1).

If you are above the threshold resulting in the full cost of your care being due, we would strongly advise you seek independent financial advice to discuss all monetary arrangements.

Further information