State Support for Care Home Fees

If you have been assessed as needing a care home place and your capital is below £23,250, you should be entitled to financial support from your local authority. If you have capital below £14,250 you will be entitled to maximum 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 privately pay for your own care. See the below section on Self-Funding for further information.

Yes and it can even be in a different county. The home you choose must be suitable for your assessed needs, comply with any terms and conditions set by the authority and, not cost any more than they would usually pay for someone with your needs

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.

Only the partner requiring care should be means tested. Property occupied by a partner is disregarded and only fifty percent of any private pension should be taken into account. The local authority will take into account 50% of any joint savings. Therefore, to accelerate financial help, it is better to have separate single accounts meeting care costs paid from the account of the person needing care.

If, apart from your property, your other capital is below £23,250 the local authority will help as above with the costs during the first twelve weeks of permanent care. Beyond that period any financial help will be charged against the value of your former home and recovered from the eventual sale proceeds.

No, the Social Services can lend you the money to pay for your care charged against your property value. However, they may limit how much they will pay and it could adversely affect your welfare benefit entitlements.

Alternatively you could consider letting your property, though this may not provide the guaranteed level of income required and you will retain the responsibility and costs for maintaining the property.

If you move into a care home and your property is left empty then you should receive full exemption from Council Tax until it’s sold.

If you are self-funding, Attendance Allowance is a non-means tested, non-taxable allowance paid at the lower rate of £53.00 per week for those needing care by day or night and, at a higher rate of £79.15 per week for those needing care by day and night. Also, whether your stay is temporary or permanent, if you receive nursing care in a care home you may be entitled to NHS Funded Nursing Care, which will contribute towards the cost of your nursing care. If applicable, an amount of £109.79 per week is paid by the NHS direct to the nursing home as a contribution towards the weekly fees. If your needs are primarily health care needs, you may be entitled to full funding from your local Primary Care Trust (PCT) following an assessment under their continuing care eligibility criteria.

Once your capital reduces to £23,250 you can seek local authority assistance. However, if the home costs more than the local authority usually pays and won’t reduce its fees, you could be in the difficult situation of either finding a source of top-up or seeking less expensive accommodation, the move to which could be detrimental to health and wellbeing. If there is a likelihood of running out of money it’s important for you to arrange an assessment of your care needs with the local social services department to ensure they will step into help. Also check if the care home owner can continue to accommodate you at social services funding rates, or will require a third party top-up.