How can I pay for care when I have no savings?
You can contact your local social services department and ask for a care assessment. It is always a good idea to assess your own care needs, or have someone to do this for you, before they arrive.
The local social services will conduct their own care assessment, taking into account your self-assessment. If they find that your care needs meet the Local Authority’s eligibility criteria, they will carry out a financial assessment to establish how much, if anything, you should contribute towards the cost of a care service. The Local Authority have a legal duty to pay, all or part, of the cost of the care you require if your savings are below £23,250.
I am not happy with the carers provided by Social Services. Can I have my care provided by an independent care provider?
Yes. You may be given payments, known as Direct Payments, into a special bank account from which you pay for the care support you require from a care provider of choice. Simply contact your local social services department and they will explain the full process to you. Your Care manager will also help you, if requested.
Will I have to use my savings to pay for my care?
If you have savings of less than £23,250 the Local Authority would normally pay all or part of your care costs, depending on your care and financial assessment.
Normally, if you have savings of more than £23,250 you will have to pay your own care costs until your savings go below this amount. However, it’s still worth going ahead and contacting the local authority for a needs assessment, regardless of your financial situation.
What will happen when my savings have gone?
As soon as your savings near £23,250 you should contact your local social services department and ask for a review of your care needs and a new financial review.
Will I have to sell my home to pay for my care?
However, if you move into a residential or nursing home, your own home would normally be included as a financial asset unless it is also occupied by your partner, a relative who is over 60 or incapacitated; or a dependent child under 16.