Paying for your care at home
Social care and support, unlike health care provided by the NHS, is not usually free of charge.
If you have been assessed by the council as needing ongoing care and support, you will be offered a financial assessment to work out how much you may need to pay towards the care you receive, and to provide advice about welfare benefits. No-one is asked to pay more towards their care than they can afford.
A charge may be made for the following types of support:
- home care and general care and support
- day opportunities and day activities
- direct payments
- respite care
Charges for social care support must be fair, and take account of people’s individual circumstances. The financial assesment will look at your:
- income and expenditure, including any additional expenditure that you might have because of a disability
- savings or capital.
This information is then used to work out:
- if you need to make a financial contribution towards your care
- how much, if any, the cost for your care is likely to be.
We can also check to ensure you are receiving all benefits you are entitled to and can assist you in claiming for them.
If you choose not to have a financial assessment, we will assume that you are able to pay for the full cost of your care, and will charge you on that basis.
If you dispose of any capital or savings to avoid or reduce the amount you pay towards your care, we may investigate the circumstances and decide to still take these assets into account in the financial assessment.
Financial assessment eligibility checker
You can use the eligibility checker to work out if you may need to contribute to the cost of your care before you apply for a financial assessment.
Our standard care charges are detailed below:
- meals - £5.20 hot meal / £2.60 frozen meal
- respite - capital over £23,250 - full cost
Charges for other care services, such as homecare, day activities or respite care, are based on your own financial circumstances.
If your financial assessment shows that you are able to contribute towards the cost of your care, the charge for this will be based on what you can afford.
The highest charge that you could pay, if your financial circumstances permit this, is the actual full cost to the council of the care you receive.
If you have a disability and require equipment and adaptations to your home to help you manage around your home, the costs differ depending on your circumstances:
- if you live in a home provided by a social housing landlord, major adaptations to your home to help you manage a disability are usually provided free of charge
- if you live in your own home or in a privately rented property, we can help you apply for a Disabled Facilities Grant of up to £30,000. If the cost of adaptions are over this amount, you will be required pay the remainder as well as your assessed contribution
- Occupational therapists can help you with these applications.
Assistive technology and telecare is usually free of charge, if you have had an assessment that confirms you are eligible for this type of support.
Respite care is a short stay in a residential or nursing care home, usually to provide a break for an unpaid carer.
- if you are eligible for help with care costs, respite care can be arranged by us, or by yourself if you choose to have a direct payment
- if you are not eligible for help with care costs, we can still help you to arrange respite care, but you will pay the full cost of this.
Cost of respite care
- If the level of capital you have is more than £23,250, you will pay the full cost of the respite care stay
- if you have less than £23,250, you will pay what you can afford to pay depending on your financial circumstances
If you stay in a care home on a temporary or trial-basis, the amount that you will need to pay for this will take into account your financial circumstances that would apply when you are living in your normal home.
NHS continuing healthcare
If you have very severe and complex health needs, you may qualify for NHS continuing healthcare. This is an ongoing package of care that's fully funded by the NHS.
Health needs could be physical and / or mental that have arisen because of disability, accident or illness, and can be provided in any setting, including your own home, a care home or hospice.