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’ll 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:

What you will need to pay

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If you own your home

If you are moving to a care home permanently, we’ll include the value of your property when we assess how much you’ll 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 circumstances where we will not include the value of your home. We’ll discuss this with you at the time of your assessment.

Work out how much it costs

You can find out how much you’ll need to pay towards your care using our online financial calculator:

Find out how much you'll pay

How we assess you

Step 1

We’ll 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.

Step 2

Once we know what support you need we’ll work out the estimated cost of your care and inform you of this.

Step 3

We’ll 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 will need to pay towards your care.

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