Leaflet: What you will need to pay
Summary
May 2025 (IL02)
How we work out what you pay towards the cost of your care and support.
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Free information and advice
If you ask us about care and support services, we will give you as much information as we can. There is no charge for our advice, leaflets or information.
You can ask for a free Care Act needs assessment which will look at how you manage everyday tasks.
For more information on what happens in a needs assessment, see our factsheet Who qualifies for our support.
What you pay
If you qualify for support from us, it's likely you'll need to pay towards it. Most people pay for some or all of their care. The amount you pay depends on your circumstances and is called your ‘client contribution’.
We work out how much you will pay by doing a financial assessment.
You can use our online financial checker to find out if you are likely to pay for your care.
When you pay
You will need to pay from the date your care starts. You pay your contribution first and then the Council pays the remaining costs.
If your care has already started, we will arrange your financial assessment promptly so that charges are not backdated for long periods of time.
What is capital?
Capital describes the financial value of assets. It includes:
- cash
- funds held in savings or current accounts
- buildings, property and land
- Premium Bonds
- stocks and shares
- investments
- trust funds
- investment bonds
Your assets
If you have more than £23,250 in capital and assets (including any property that you do not live in or land that you own) you cannot get financial help from us. You will have to pay the full cost of your support.
If your capital and assets fall below £23,250 you can ask us to review the amount you pay. Our online capital depletion checker will give you an idea of when you may need to ask us for financial help.
If you have less than £23,250 in capital and assets, we will work out how much you need to pay towards your support. We will do this by looking at your capital and assets, income and outgoings.
Financial assessment process
The type of financial assessment you will have depends on the care you are going to receive. In some cases, we can complete your financial assessment without contacting you to request supporting information.
If we need to do a ‘full financial assessment’, we will send you a link to our 'online financial calculator' by email. You will be asked to complete your financial assessment electronically and submit your supporting documentation.
We may contact you by phone to discuss the best way for you, which could include visiting you to help you complete the financial assessment.
Once your financial assessment is complete, we will write to you to confirm what your ‘client contribution’ will be.
Read more about financial assessments in our factsheets:
Financial assessments for care and support not in a care home
What is included in a financial assessment?
The financial assessment will look at:
- your capital and assets, which includes property and land
- any income you have such as pensions and benefits
- some housing related costs, like mortgage, rent or council tax
- any extra expenses you have because of a disability or condition. We call this disability-related expenses (DRE)
Property and land
We will not take the value of your property into account while you are living in it and receiving care and support in your own home.
If you are going into residential care or nursing care permanently, we may include the value of the property or land you own, including the house you live in.
If you own a second home, or other property or land, we will also include this as a capital asset.
We will provide more information about this during your financial assessment.
What you will need to provide
In most cases, we need supporting documents to evidence the information you give us. If you do not provide supporting documents, you may need to pay the full cost of your care until your assessment can be completed.
Once we have looked at your finances, we will explain:
- your ‘client contribution’, the amount per week you need to pay towards your care and support
- how we worked this out
- the different ways you can pay your client contribution for care and support
We can also give you information and advice on how to apply for any state benefits you might be entitled to.
Other care you need to pay for
Charges in day centres
There are fixed charges for meals at day centres and for transport to and from your home. These charges are on top of the contribution you pay for attending the day centre.
Meals in the community
We charge for our delivered meals service. Your financial assessment will determine if you are eligible. If you are assessed as needing to pay a client contribution, we will invoice you.
You will also need to pay for the cost of the meal itself. The provider you have chosen will invoice you for the cost of any meals you have.
If you go into permanent residential and nursing care
If you move from your home into a care home permanently, we will not take the equity held in the property into account for the first 12 weeks.
After this period, the equity in your property may be included in your financial assessment as a capital asset. This may mean your financial assets are over £23,250 and you need to start paying the full cost of your care.
If the value of your home is included and our assessment shows you will have to pay the full cost of your care, we can talk you through the options.
If you go into residential or nursing care before your financial assessment is completed, you will be asked to pay a standard amount. Once you have a financial assessment and we confirm the actual amount you need to pay:
- your client contribution will be backdated to the date you went into the care home
- you will need to pay the difference
For more information, including when property is included, read our factsheet Financial assessments for residential care.
Short-term or respite residential care
If you are going to receive short-term or respite care in a residential care home, we may not be able to complete your financial assessment before your care starts or ends.
You will be asked to pay a standard amount until we do your financial assessment. Once we confirm the amount you need to pay, your actual contribution will be backdated to the date you went into the care home.
For more information, read our factsheet Financial assessments for residential care.
If you don’t want to tell us about your financial circumstances
You don’t have to tell us about your finances. If you decide not to, or if for any reason we can’t complete a financial assessment, you will have to pay the full cost of your care and support from the date your care started.
Appeals process
Once your financial assessment is complete, if you think we have made a mistake or you do not agree with the outcome, you can appeal. We will provide more information on this at the time of your financial assessment.
How to pay us
There are different ways you can pay your invoices for your care and support. The easiest way is by Direct Debit. You’ll find more information about how to pay on your invoice.
Getting involved
If you would like to be involved in shaping our services, we are always looking for new members to join the People Bank. The People Bank is a database of volunteers who have an interest in our services. Membership is voluntary and there are many ways you can be involved.
Once you have joined and told us how you’d like to be involved, we will match you with available opportunities. For more information:
- Website: Join the People Bank
- Email Adult Social Care Consultation team
- Phone: 01273 481 565
