Paying for residential care
Residential and nursing care is expensive. Everyone living in a care home has to pay something towards the cost.
How much you pay depends on how much money you have:
- If you have more than £23, 250 in savings and assets (capital) then you will pay for the full cost of your care. You will also need to arrange your own support.
- If you have less than £23, 250 in savings and assets (capital) then we will carry out a financial assessment. This will tell us how much you can afford to pay.
Find out more in our leaflet:
Leaflet: What you will need to pay towards the cost of your care and support
Easy Read: What you will need to pay for services [2.2 MB] [pdf]
If you own your home
If you are moving to a care home permanently, we will include the value of your property when we assess how much you will need to pay. We may offer you a loan to pay for care home costs.
The value of your home is not included if:
- you are receiving short-term or respite care
- your spouse or partner lives there
There may be other reasons we will not include the value of your home. We will discuss this with you during your assessment.
Find out if you need to pay
You can quickly check if you'll need to pay towards your care using our financial eligibility checker:
How we assess you
We will talk to you to find out what you need help with and whether you are eligible for our support. This is called a social care assessment.
Once we know what support you need, we will work out the estimated cost of your care and inform you of this.
We will carry out a financial assessment. This means we add up your income such as pensions and benefits, and any savings. We will tell you the maximum weekly amount you'll need to pay towards your care.
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