Non-residential care

Your non-residential care fees are your responsibility. You are liable to pay the full cost of your services, including all those detailed in your care and support, unless you qualify for any financial assistance. The financial assessment will determine if you would be eligible for any financial assistance from us and how much you will have to pay.

The amount you will have to pay is based upon an assessment of your income and capital. The capital limits for assessment purposes will be:

• Lower Capital Limit £14,250
• Upper Capital Limit £23,250*

*Please note that for benefit purposes (e.g. pension credit, income support) the capital limits are different.

What if I have capital and savings of more than £23,250?

If you have capital and savings (not including your home) of more than £23,250 you will pay the full cost of your care either to the council or directly to your care provider.

What if I have capital and savings of less than £23,250?

If you have savings under £23,250, it is likely that you will qualify for some financial assistance towards the cost of your care from us. From your capital or savings, you will need to pay a tariff income amount of £1 for every £250 you have above £14,250.

The amount you will have to pay is based on your weekly income (including pensions and benefits), and any savings/ investments between £14,250 and £23,250. We call the amount you pay your assessed charge.

Every person is treated individually for the purposes of a financial assessment. This means that we will assess only the income and capital of the individual who is undergoing the financial assessment. This approach applies in all care settings. Jointly owned assets, income and expenses will be divided equally when assessing your finances; unless you inform us otherwise during the financial assessment or via email/letter and provide evidence as proof of your share.

What shall I do if my capital and savings have reduced to £23,250?

When your capital or savings have nearly reduced to £23,250, you should contact us for a financial assessment means test to see if you will be eligible for funding assistance. Do not delay in contacting us as any financial assistance you qualify for will only be backdated to the date you got in touch. You should get in touch three months before your savings and investments fall below £23,250. We call this a funding pick up request.

You must continue to pay all your care fees yourself until a full financial assessment is completed.