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Who pays for your care
If you have more than £23,250 in savings and assets you’ll have to pay the full cost of the help you get at home. Find private care providers.
You may have to pay towards care at home. How much you have to pay will depend on your income, savings and some of the things you own (known as assets).
What you won’t be charged for
Some types of care at home aren’t means tested and you won’t have to pay for them even if you have savings and assets (eg buildings, stocks and shares that you own) above the threshold.
You don’t pay for:
- equipment or home adaptations if they cost less than £1000 and we agree that you need them
- care and help for mental illness given under section 117 of the Mental Health Act
Financial assessment for help at home
If you need help at home, we will do a financial assessment to decide what you can afford to pay towards the cost of it, if anything.
We will look at your income, savings and assets. After we’ve done the assessment we will tell you how much you need to pay towards the cost of your care.
There is a different financial assessment if you have to go into a care home.
Savings and assets limits
If we work out that you have more than £23,250 in savings and assets, you’ll have to pay the full cost of the help you get at home.
If you have less than £14,250 in savings and assets, we won't count them when we work out how much you have to pay.
If you have savings and assets between £14,250 and £23,250, we will assume you can pay £1 towards your care for every £250 of your savings and assets.
Which savings and assets count towards the limits
Savings and assets that count towards the limits include:
- money you have in bank and building society accounts
- National Savings Certificates
- Premium Bonds
- stocks and shares
- buildings or land you own that you don’t live in
- trust funds (unless they were awarded for personal injury or criminal injuries compensation)
Savings and assets that don’t count towards the limits include:
- your home
- your personal possessions
- the surrender value of any life insurance or annuity
Hiding or giving away your savings and assets
If you give away savings and assets or put them in someone else’s name (known as ‘deprivation of assets’) to reduce the amount you pay towards your care, we may treat you as if you still had them and charge you.
When we work out what your income is, we don’t include:
- earnings from your job – including bonuses and commission
- self-employed earnings
- mobility part of Disability Living Allowance (DLA)
- mobility part of Personal Independence Payment (PIP)
- Child Tax Credit
- Working Tax Credit
- Child Benefit
- child maintenance payments
- Guardian’s Allowance
- Council Tax Reduction
We do include:
- State Pension and Pension Credits
- Income from a personal or occupational pension
- the care part of DLA
- the daily living part of PIP
- Attendance Allowance
- most benefits
After the financial assessment we will tell you what income we have included.
Money to live on
The law says that when we work out what you should pay towards your care, we must leave you with enough money to live on – this is known as the minimum income guarantee. This varies according to your circumstance and is specified by central government in the Care and Support (Charging and Assessment of Resources) Regulations 2014.
If you have a disability, we must make sure that you keep enough money to pay for the things you need because of your disability. We do this by asking you how much you spend, when we do your assessment.